Home > Horizon Bank, SSB > Performance and Condition Ratios
Horizon Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0130% | 2,047 |
| Cost of funding earning assets | 1.6019% | 1,688 |
| Net interest margin | 3.4110% | 2,383 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 1.8347% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5628% | 913 |
| Return on assets (ROA) | 1.3965% | 1,197 |
| Pretax return on assets | 1.7559% | 954 |
| Return on Equity (ROE) | 19.3400% | 677 |
| Retained earnings to average equity (ytd only) | 6.0582% | 2,219 |
| Net charge-offs to loans | 0.0072% | 2,408 |
| Credit loss provision to net charge-offs | 1,679.6117% | 270 |
| Earnings coverage of net charge-offs (x) | 468.1650% | 305 |
| Efficiency ratio | 48.3007% | 4,076 |
| Assets per employee ($millions) | 12.2088% | 396 |
| Cash dividends to net income (ytd only)* | 68.6769% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 460 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 59.8800% | 2,848 |
| Net loans and leases to deposits | 67.4609% | 3,072 |
| Net loans and leases to core deposits | 70.4449% | 3,282 |
| Total domestic deposits to total assets | 88.7600% | 1,137 |
| Equity capital to assets | 7.8593% | 3,512 |
| Core capital (leverage) ratio | 8.5187% | 4,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7632% | 1,949 |
| Memoranda: | ||
| Average total assets | $2,455,491,800 | 479 |
| Average earning assets | $2,312,547,800 | 461 |
| Average equity | $177,296,200 | 596 |
| Average total loans | $1,429,709,000 | 536 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 2,170 |
| Cost of funding earning assets | 1.4615% | 1,701 |
| Net interest margin | 3.3854% | 2,485 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.7523% | 4,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5946% | 947 |
| Return on assets (ROA) | 1.4346% | 1,227 |
| Pretax return on assets | 1.7777% | 1,037 |
| Return on Equity (ROE) | 20.3100% | 694 |
| Retained earnings to average equity (ytd only) | 5.3573% | 2,822 |
| Net charge-offs to loans | -0.0061% | 3,801 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.0088% | 4,089 |
| Assets per employee ($millions) | 12.7130% | 319 |
| Cash dividends to net income (ytd only)* | 73.6180% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 494 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 56.5000% | 3,156 |
| Net loans and leases to deposits | 67.2837% | 3,035 |
| Net loans and leases to core deposits | 70.1941% | 3,200 |
| Total domestic deposits to total assets | 83.9700% | 2,785 |
| Equity capital to assets | 6.9264% | 3,649 |
| Core capital (leverage) ratio | 8.3923% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4991% | 2,076 |
| Memoranda: | ||
| Average total assets | $2,468,083,750 | 474 |
| Average earning assets | $2,325,389,750 | 458 |
| Average equity | $174,363,500 | 599 |
| Average total loans | $1,420,197,750 | 540 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 2,052 |
| Cost of funding earning assets | 1.3266% | 1,642 |
| Net interest margin | 3.4485% | 2,395 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.7260% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6710% | 831 |
| Return on assets (ROA) | 1.4294% | 1,243 |
| Pretax return on assets | 1.7688% | 1,072 |
| Return on Equity (ROE) | 20.1000% | 697 |
| Retained earnings to average equity (ytd only) | 3.4089% | 3,371 |
| Net charge-offs to loans | -0.0033% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 45.5030% | 4,183 |
| Assets per employee ($millions) | 13.1833% | 289 |
| Cash dividends to net income (ytd only)* | 83.0385% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 493 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.3400% | 3,245 |
| Net loans and leases to deposits | 64.4486% | 3,167 |
| Net loans and leases to core deposits | 67.0565% | 3,286 |
| Total domestic deposits to total assets | 84.3200% | 2,747 |
| Equity capital to assets | 6.8670% | 3,865 |
| Core capital (leverage) ratio | 8.2982% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4430% | 2,118 |
| Memoranda: | ||
| Average total assets | $2,451,722,333 | 465 |
| Average earning assets | $2,311,803,667 | 448 |
| Average equity | $174,368,000 | 594 |
| Average total loans | $1,410,446,667 | 530 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 1,555 |
| Cost of funding earning assets | 1.1611% | 1,558 |
| Net interest margin | 3.6677% | 1,978 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 1.7136% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8496% | 618 |
| Return on assets (ROA) | 1.4742% | 1,214 |
| Pretax return on assets | 1.8226% | 1,030 |
| Return on Equity (ROE) | 20.3500% | 717 |
| Retained earnings to average equity (ytd only) | 4.0316% | 3,265 |
| Net charge-offs to loans | 0.0100% | 1,562 |
| Credit loss provision to net charge-offs | 1,854.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 389.5429% | 283 |
| Efficiency ratio | 42.8440% | 4,350 |
| Assets per employee ($millions) | 12.6121% | 336 |
| Cash dividends to net income (ytd only)* | 80.1865% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 565 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.5300% | 2,906 |
| Net loans and leases to deposits | 66.3590% | 2,902 |
| Net loans and leases to core deposits | 69.0497% | 3,017 |
| Total domestic deposits to total assets | 86.6900% | 2,373 |
| Equity capital to assets | 7.3576% | 3,640 |
| Core capital (leverage) ratio | 8.2795% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4347% | 2,206 |
| Memoranda: | ||
| Average total assets | $2,385,620,000 | 493 |
| Average earning assets | $2,250,353,000 | 472 |
| Average equity | $172,833,500 | 608 |
| Average total loans | $1,399,954,500 | 542 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0128% | 1,681 |
| Cost of funding earning assets | 0.3079% | 2,811 |
| Net interest margin | 3.7049% | 1,363 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 1.7199% | 4,139 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.8898% | 361 |
| Return on assets (ROA) | 1.9283% | 329 |
| Pretax return on assets | 2.3860% | 239 |
| Return on Equity (ROE) | 27.6500% | 151 |
| Retained earnings to average equity (ytd only) | 15.5146% | 253 |
| Net charge-offs to loans | -0.1560% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.5962% | 4,500 |
| Assets per employee ($millions) | 11.8710% | 403 |
| Cash dividends to net income (ytd only)* | 43.8866% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 57.5200% | 2,871 |
| Net loans and leases to deposits | 62.6680% | 3,139 |
| Net loans and leases to core deposits | 66.4749% | 3,098 |
| Total domestic deposits to total assets | 91.7900% | 688 |
| Equity capital to assets | 7.1298% | 3,600 |
| Core capital (leverage) ratio | 7.8366% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1126% | 2,322 |
| Memoranda: | ||
| Average total assets | $2,363,363,800 | 477 |
| Average earning assets | $2,255,014,000 | 453 |
| Average equity | $164,825,000 | 624 |
| Average total loans | $1,292,488,200 | 545 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 2,025 |
| Cost of funding earning assets | 0.1888% | 3,407 |
| Net interest margin | 3.5191% | 1,614 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 1.6974% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7937% | 436 |
| Return on assets (ROA) | 1.8420% | 377 |
| Pretax return on assets | 2.2851% | 282 |
| Return on Equity (ROE) | 26.5600% | 145 |
| Retained earnings to average equity (ytd only) | 15.1733% | 349 |
| Net charge-offs to loans | -0.0364% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.7877% | 4,500 |
| Assets per employee ($millions) | 12.1393% | 367 |
| Cash dividends to net income (ytd only)* | 42.8725% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 560 |
| Loan loss allowance to noncurrent loans | 2,270.7787% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 3,424 |
| Noncurrent loans to loans | 0.0852% | 3,265 |
| Net loans and leases to total assets | 54.9800% | 3,007 |
| Net loans and leases to deposits | 59.5964% | 3,232 |
| Net loans and leases to core deposits | 63.1419% | 3,178 |
| Total domestic deposits to total assets | 92.2600% | 793 |
| Equity capital to assets | 6.6828% | 3,664 |
| Core capital (leverage) ratio | 7.7969% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0184% | 2,468 |
| Memoranda: | ||
| Average total assets | $2,363,622,500 | 472 |
| Average earning assets | $2,261,669,500 | 449 |
| Average equity | $163,924,000 | 633 |
| Average total loans | $1,268,741,750 | 545 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 2,333 |
| Cost of funding earning assets | 0.1409% | 3,699 |
| Net interest margin | 3.2972% | 1,917 |
| Noninterest income to average assets | 0.5605% | 1,901 |
| Noninterest expense to average assets | 1.6875% | 4,159 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.6387% | 498 |
| Return on assets (ROA) | 1.6606% | 469 |
| Pretax return on assets | 2.0648% | 329 |
| Return on Equity (ROE) | 23.6524% | 149 |
| Retained earnings to average equity (ytd only) | 13.9727% | 361 |
| Net charge-offs to loans | -0.0334% | 4,088 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1116% | 4,492 |
| Assets per employee ($millions) | 12.4318% | 335 |
| Cash dividends to net income (ytd only)* | 40.9249% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 547 |
| Loan loss allowance to noncurrent loans | 1,392.5027% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,212 |
| Noncurrent loans to loans | 0.1439% | 2,983 |
| Net loans and leases to total assets | 52.0945% | 3,143 |
| Net loans and leases to deposits | 56.6866% | 3,327 |
| Net loans and leases to core deposits | 59.4950% | 3,306 |
| Total domestic deposits to total assets | 91.8992% | 880 |
| Equity capital to assets | 6.5259% | 4,009 |
| Core capital (leverage) ratio | 7.5382% | 4,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0069% | 2,494 |
| Memoranda: | ||
| Average total assets | $2,354,351,667 | 470 |
| Average earning assets | $2,259,574,333 | 453 |
| Average equity | $165,293,667 | 643 |
| Average total loans | $1,244,720,000 | 548 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1698% | 2,779 |
| Cost of funding earning assets | 0.1317% | 3,746 |
| Net interest margin | 3.0381% | 2,370 |
| Noninterest income to average assets | 0.5795% | 1,782 |
| Noninterest expense to average assets | 1.7096% | 4,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4356% | 734 |
| Return on assets (ROA) | 1.4800% | 654 |
| Pretax return on assets | 1.8491% | 493 |
| Return on Equity (ROE) | 20.3317% | 221 |
| Retained earnings to average equity (ytd only) | 10.8552% | 810 |
| Net charge-offs to loans | -0.0196% | 3,898 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5945% | 4,375 |
| Assets per employee ($millions) | 13.0265% | 312 |
| Cash dividends to net income (ytd only)* | 46.6092% | 1,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0892% | 528 |
| Loan loss allowance to noncurrent loans | 1,320.4218% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,227 |
| Noncurrent loans to loans | 0.1582% | 3,015 |
| Net loans and leases to total assets | 52.4724% | 2,945 |
| Net loans and leases to deposits | 57.6914% | 3,106 |
| Net loans and leases to core deposits | 60.8710% | 3,075 |
| Total domestic deposits to total assets | 90.9535% | 1,059 |
| Equity capital to assets | 7.3443% | 4,023 |
| Core capital (leverage) ratio | 7.5801% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3189% | 2,473 |
| Memoranda: | ||
| Average total assets | $2,319,431,000 | 480 |
| Average earning assets | $2,232,082,500 | 464 |
| Average equity | $168,840,000 | 645 |
| Average total loans | $1,222,736,000 | 550 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5700% | 2,465 |
| Cost of funding earning assets | 0.1573% | 3,897 |
| Net interest margin | 3.4127% | 1,985 |
| Noninterest income to average assets | 0.7646% | 1,550 |
| Noninterest expense to average assets | 2.0733% | 3,463 |
| Loan and lease loss provision to assets | 0.1219% | 1,012 |
| Net operating income to assets | 1.4536% | 1,126 |
| Return on assets (ROA) | 1.5477% | 953 |
| Pretax return on assets | 1.9860% | 617 |
| Return on Equity (ROE) | 20.8900% | 267 |
| Retained earnings to average equity (ytd only) | 15.0634% | 220 |
| Net charge-offs to loans | 0.0142% | 2,036 |
| Credit loss provision to net charge-offs | 1,500.0000% | 381 |
| Earnings coverage of net charge-offs (x) | 244.7438% | 471 |
| Efficiency ratio | 50.8302% | 4,218 |
| Assets per employee ($millions) | 12.9625% | 321 |
| Cash dividends to net income (ytd only)* | 27.8917% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 517 |
| Loan loss allowance to noncurrent loans | 1,259.0462% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 3,335 |
| Noncurrent loans to loans | 0.1672% | 3,109 |
| Net loans and leases to total assets | 50.7706% | 3,193 |
| Net loans and leases to deposits | 55.3379% | 3,480 |
| Net loans and leases to core deposits | 58.9604% | 3,394 |
| Total domestic deposits to total assets | 91.7465% | 251 |
| Equity capital to assets | 7.2159% | 4,675 |
| Core capital (leverage) ratio | 7.4555% | 4,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4019% | 2,491 |
| Memoranda: | ||
| Average total assets | $1,969,027,400 | 543 |
| Average earning assets | $1,902,497,000 | 518 |
| Average equity | $145,883,200 | 738 |
| Average total loans | $1,128,406,000 | 591 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 2,233 |
| Cost of funding earning assets | 0.1674% | 3,950 |
| Net interest margin | 3.5487% | 1,736 |
| Noninterest income to average assets | 0.7459% | 1,683 |
| Noninterest expense to average assets | 2.1885% | 3,104 |
| Loan and lease loss provision to assets | 0.0284% | 2,431 |
| Net operating income to assets | 1.5074% | 1,254 |
| Return on assets (ROA) | 1.5963% | 1,089 |
| Pretax return on assets | 2.0692% | 711 |
| Return on Equity (ROE) | 21.3712% | 337 |
| Retained earnings to average equity (ytd only) | 15.4202% | 345 |
| Net charge-offs to loans | 0.0374% | 1,337 |
| Credit loss provision to net charge-offs | 129.0323% | 1,424 |
| Earnings coverage of net charge-offs (x) | 90.0419% | 924 |
| Efficiency ratio | 52.2212% | 4,008 |
| Assets per employee ($millions) | 11.9076% | 379 |
| Cash dividends to net income (ytd only)* | 27.8458% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 581 |
| Loan loss allowance to noncurrent loans | 1,530.2674% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 3,622 |
| Noncurrent loans to loans | 0.1339% | 3,438 |
| Net loans and leases to total assets | 53.5166% | 3,025 |
| Net loans and leases to deposits | 58.8833% | 3,335 |
| Net loans and leases to core deposits | 63.3799% | 3,188 |
| Total domestic deposits to total assets | 90.8859% | 407 |
| Equity capital to assets | 7.8607% | 4,578 |
| Core capital (leverage) ratio | 7.9097% | 4,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3942% | 2,207 |
| Memoranda: | ||
| Average total assets | $1,874,732,750 | 574 |
| Average earning assets | $1,810,845,500 | 551 |
| Average equity | $140,029,000 | 771 |
| Average total loans | $1,106,309,500 | 614 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 2,102 |
| Cost of funding earning assets | 0.1788% | 3,960 |
| Net interest margin | 3.6092% | 1,573 |
| Noninterest income to average assets | 0.7508% | 1,671 |
| Noninterest expense to average assets | 2.1998% | 3,093 |
| Loan and lease loss provision to assets | 0.0444% | 2,125 |
| Net operating income to assets | 1.5789% | 1,093 |
| Return on assets (ROA) | 1.6984% | 923 |
| Pretax return on assets | 2.1411% | 634 |
| Return on Equity (ROE) | 23.2108% | 250 |
| Retained earnings to average equity (ytd only) | 17.1406% | 263 |
| Net charge-offs to loans | 0.0262% | 1,426 |
| Credit loss provision to net charge-offs | 279.7203% | 921 |
| Earnings coverage of net charge-offs (x) | 128.0979% | 650 |
| Efficiency ratio | 51.7363% | 4,072 |
| Assets per employee ($millions) | 11.8010% | 375 |
| Cash dividends to net income (ytd only)* | 26.1523% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1111% | 492 |
| Loan loss allowance to noncurrent loans | 1,455.6993% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.0824% | 3,659 |
| Noncurrent loans to loans | 0.1450% | 3,479 |
| Net loans and leases to total assets | 55.5880% | 2,954 |
| Net loans and leases to deposits | 61.2414% | 3,279 |
| Net loans and leases to core deposits | 66.1219% | 3,099 |
| Total domestic deposits to total assets | 90.7687% | 449 |
| Equity capital to assets | 7.9474% | 4,561 |
| Core capital (leverage) ratio | 8.2777% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4397% | 1,822 |
| Memoranda: | ||
| Average total assets | $1,801,063,000 | 585 |
| Average earning assets | $1,738,162,667 | 560 |
| Average equity | $131,792,000 | 801 |
| Average total loans | $1,093,403,000 | 618 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7805% | 2,155 |
| Cost of funding earning assets | 0.1926% | 3,984 |
| Net interest margin | 3.5879% | 1,617 |
| Noninterest income to average assets | 0.7386% | 1,752 |
| Noninterest expense to average assets | 2.0872% | 3,465 |
| Loan and lease loss provision to assets | 0.0932% | 1,434 |
| Net operating income to assets | 1.6037% | 1,122 |
| Return on assets (ROA) | 1.8084% | 829 |
| Pretax return on assets | 2.2778% | 609 |
| Return on Equity (ROE) | 25.9986% | 232 |
| Retained earnings to average equity (ytd only) | 25.9986% | 117 |
| Net charge-offs to loans | -0.0130% | 3,783 |
| Credit loss provision to net charge-offs | -1,142.8571% | 3,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4727% | 4,231 |
| Assets per employee ($millions) | 10.8690% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1408% | 465 |
| Loan loss allowance to noncurrent loans | 1,318.7258% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1019% | 3,674 |
| Noncurrent loans to loans | 0.1623% | 3,522 |
| Net loans and leases to total assets | 61.4158% | 2,349 |
| Net loans and leases to deposits | 66.8946% | 2,821 |
| Net loans and leases to core deposits | 72.0434% | 2,700 |
| Total domestic deposits to total assets | 91.8099% | 184 |
| Equity capital to assets | 6.8108% | 4,875 |
| Core capital (leverage) ratio | 7.0727% | 4,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9263% | 2,694 |
| Memoranda: | ||
| Average total assets | $1,716,212,000 | 606 |
| Average earning assets | $1,655,210,500 | 579 |
| Average equity | $119,375,500 | 864 |
| Average total loans | $1,080,537,000 | 624 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 1,020 |
| Cost of funding earning assets | 0.3638% | 3,796 |
| Net interest margin | 4.2741% | 535 |
| Noninterest income to average assets | 0.7606% | 1,658 |
| Noninterest expense to average assets | 2.4791% | 2,908 |
| Loan and lease loss provision to assets | 0.7987% | 154 |
| Net operating income to assets | 1.2390% | 1,420 |
| Return on assets (ROA) | 1.4298% | 1,042 |
| Pretax return on assets | 1.7854% | 706 |
| Return on Equity (ROE) | 19.0118% | 276 |
| Retained earnings to average equity (ytd only) | 11.5122% | 377 |
| Net charge-offs to loans | 0.1450% | 1,119 |
| Credit loss provision to net charge-offs | 764.5875% | 939 |
| Earnings coverage of net charge-offs (x) | 22.4541% | 1,853 |
| Efficiency ratio | 51.1392% | 4,457 |
| Assets per employee ($millions) | 10.0653% | 521 |
| Cash dividends to net income (ytd only)* | 39.4472% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2273% | 384 |
| Loan loss allowance to noncurrent loans | 743.2888% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 3,337 |
| Noncurrent loans to loans | 0.2997% | 3,120 |
| Net loans and leases to total assets | 61.7681% | 2,639 |
| Net loans and leases to deposits | 67.5423% | 3,130 |
| Net loans and leases to core deposits | 73.1606% | 2,982 |
| Total domestic deposits to total assets | 91.4510% | 140 |
| Equity capital to assets | 7.1103% | 4,906 |
| Core capital (leverage) ratio | 7.2713% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5806% | 2,780 |
| Memoranda: | ||
| Average total assets | $1,427,265,600 | 644 |
| Average earning assets | $1,357,190,200 | 620 |
| Average equity | $107,338,400 | 907 |
| Average total loans | $1,028,003,800 | 621 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,276 |
| Cost of funding earning assets | 0.4166% | 3,726 |
| Net interest margin | 4.1923% | 749 |
| Noninterest income to average assets | 0.8071% | 1,471 |
| Noninterest expense to average assets | 2.5565% | 2,676 |
| Loan and lease loss provision to assets | 0.8279% | 211 |
| Net operating income to assets | 1.1197% | 1,915 |
| Return on assets (ROA) | 1.3448% | 1,343 |
| Pretax return on assets | 1.6748% | 1,013 |
| Return on Equity (ROE) | 17.5907% | 394 |
| Retained earnings to average equity (ytd only) | 8.6087% | 1,106 |
| Net charge-offs to loans | 0.1806% | 826 |
| Credit loss provision to net charge-offs | 613.7184% | 1,152 |
| Earnings coverage of net charge-offs (x) | 16.4664% | 2,058 |
| Efficiency ratio | 53.2506% | 4,228 |
| Assets per employee ($millions) | 8.8714% | 725 |
| Cash dividends to net income (ytd only)* | 51.0611% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 722 |
| Loan loss allowance to noncurrent loans | 739.0445% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 3,462 |
| Noncurrent loans to loans | 0.2437% | 3,428 |
| Net loans and leases to total assets | 76.6313% | 1,016 |
| Net loans and leases to deposits | 84.1684% | 1,891 |
| Net loans and leases to core deposits | 89.0363% | 2,058 |
| Total domestic deposits to total assets | 91.0452% | 162 |
| Equity capital to assets | 7.3954% | 4,880 |
| Core capital (leverage) ratio | 7.2678% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4981% | 3,033 |
| Memoranda: | ||
| Average total assets | $1,368,887,000 | 655 |
| Average earning assets | $1,296,529,500 | 635 |
| Average equity | $104,651,250 | 923 |
| Average total loans | $1,022,704,500 | 620 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 1,388 |
| Cost of funding earning assets | 0.4941% | 3,573 |
| Net interest margin | 4.2141% | 895 |
| Noninterest income to average assets | 0.8010% | 1,437 |
| Noninterest expense to average assets | 2.6480% | 2,530 |
| Loan and lease loss provision to assets | 0.7628% | 331 |
| Net operating income to assets | 1.1067% | 1,947 |
| Return on assets (ROA) | 1.3670% | 1,279 |
| Pretax return on assets | 1.7071% | 985 |
| Return on Equity (ROE) | 17.6702% | 402 |
| Retained earnings to average equity (ytd only) | 8.9704% | 1,019 |
| Net charge-offs to loans | -0.0981% | 4,842 |
| Credit loss provision to net charge-offs | -1,058.0913% | 3,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9900% | 4,062 |
| Assets per employee ($millions) | 9.2070% | 640 |
| Cash dividends to net income (ytd only)* | 49.2341% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 850 |
| Loan loss allowance to noncurrent loans | 2,712.5356% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 4,284 |
| Noncurrent loans to loans | 0.0619% | 4,232 |
| Net loans and leases to total assets | 72.4648% | 1,628 |
| Net loans and leases to deposits | 88.7325% | 1,479 |
| Net loans and leases to core deposits | 94.8936% | 1,671 |
| Total domestic deposits to total assets | 81.6666% | 3,456 |
| Equity capital to assets | 6.9762% | 4,978 |
| Core capital (leverage) ratio | 7.3864% | 4,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3334% | 3,118 |
| Memoranda: | ||
| Average total assets | $1,337,258,000 | 656 |
| Average earning assets | $1,266,598,667 | 636 |
| Average equity | $103,451,000 | 925 |
| Average total loans | $982,844,667 | 634 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 996 |
| Cost of funding earning assets | 0.6585% | 3,124 |
| Net interest margin | 4.3293% | 719 |
| Noninterest income to average assets | 0.8979% | 1,070 |
| Noninterest expense to average assets | 2.8696% | 2,214 |
| Loan and lease loss provision to assets | 0.3557% | 872 |
| Net operating income to assets | 1.4041% | 966 |
| Return on assets (ROA) | 1.5637% | 743 |
| Pretax return on assets | 1.9623% | 494 |
| Return on Equity (ROE) | 19.0497% | 211 |
| Retained earnings to average equity (ytd only) | 7.2323% | 1,464 |
| Net charge-offs to loans | 0.0912% | 1,149 |
| Credit loss provision to net charge-offs | 531.4010% | 850 |
| Earnings coverage of net charge-offs (x) | 31.6522% | 1,142 |
| Efficiency ratio | 57.2568% | 4,085 |
| Assets per employee ($millions) | 7.1540% | 1,023 |
| Cash dividends to net income (ytd only)* | 62.0347% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5555% | 1,176 |
| Loan loss allowance to noncurrent loans | 6,160.0858% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,510 |
| Noncurrent loans to loans | 0.0253% | 4,467 |
| Net loans and leases to total assets | 73.8214% | 1,639 |
| Net loans and leases to deposits | 86.1064% | 1,985 |
| Net loans and leases to core deposits | 92.2410% | 2,128 |
| Total domestic deposits to total assets | 85.7327% | 2,113 |
| Equity capital to assets | 8.3520% | 4,879 |
| Core capital (leverage) ratio | 8.1196% | 4,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0514% | 3,322 |
| Memoranda: | ||
| Average total assets | $1,237,105,000 | 672 |
| Average earning assets | $1,168,782,500 | 651 |
| Average equity | $101,545,000 | 931 |
| Average total loans | $907,649,500 | 663 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 575 |
| Cost of funding earning assets | 0.7824% | 2,760 |
| Net interest margin | 4.7037% | 467 |
| Noninterest income to average assets | 0.9413% | 1,089 |
| Noninterest expense to average assets | 3.0954% | 1,773 |
| Loan and lease loss provision to assets | 0.3391% | 458 |
| Net operating income to assets | 1.5096% | 1,027 |
| Return on assets (ROA) | 1.7452% | 634 |
| Pretax return on assets | 2.2335% | 361 |
| Return on Equity (ROE) | 21.0721% | 161 |
| Retained earnings to average equity (ytd only) | 10.2430% | 450 |
| Net charge-offs to loans | 0.2045% | 1,005 |
| Credit loss provision to net charge-offs | 217.2670% | 1,217 |
| Earnings coverage of net charge-offs (x) | 14.5712% | 2,280 |
| Efficiency ratio | 57.3658% | 4,039 |
| Assets per employee ($millions) | 7.3593% | 911 |
| Cash dividends to net income (ytd only)* | 51.3909% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 1,204 |
| Loan loss allowance to noncurrent loans | 38,460.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,640 |
| Noncurrent loans to loans | 0.0039% | 4,588 |
| Net loans and leases to total assets | 70.6847% | 2,292 |
| Net loans and leases to deposits | 78.4858% | 2,957 |
| Net loans and leases to core deposits | 81.7277% | 3,152 |
| Total domestic deposits to total assets | 90.0606% | 307 |
| Equity capital to assets | 8.0660% | 5,049 |
| Core capital (leverage) ratio | 8.0300% | 5,026 |
| Tier 1 risk-based capital ratio | 10.1870% | 5,093 |
| Total risk-based capital ratio | 11.4391% | 5,036 |
| Memoranda: | ||
| Average total assets | $1,120,536,400 | 709 |
| Average earning assets | $1,054,959,400 | 687 |
| Average equity | $92,805,200 | 950 |
| Average total loans | $855,294,400 | 675 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6448% | 456 |
| Cost of funding earning assets | 0.7946% | 2,748 |
| Net interest margin | 4.8502% | 378 |
| Noninterest income to average assets | 0.9559% | 1,031 |
| Noninterest expense to average assets | 3.0312% | 1,880 |
| Loan and lease loss provision to assets | 0.3181% | 446 |
| Net operating income to assets | 1.6880% | 767 |
| Return on assets (ROA) | 2.0111% | 402 |
| Pretax return on assets | 2.5755% | 216 |
| Return on Equity (ROE) | 24.1023% | 106 |
| Retained earnings to average equity (ytd only) | 14.2045% | 199 |
| Net charge-offs to loans | 0.1915% | 900 |
| Credit loss provision to net charge-offs | 213.9918% | 1,245 |
| Earnings coverage of net charge-offs (x) | 16.7144% | 2,131 |
| Efficiency ratio | 54.6747% | 4,315 |
| Assets per employee ($millions) | 6.9303% | 1,047 |
| Cash dividends to net income (ytd only)* | 41.0659% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 1,390 |
| Loan loss allowance to noncurrent loans | 32,805.1282% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,717 |
| Noncurrent loans to loans | 0.0044% | 4,670 |
| Net loans and leases to total assets | 73.6890% | 1,875 |
| Net loans and leases to deposits | 81.8238% | 2,708 |
| Net loans and leases to core deposits | 85.8668% | 2,914 |
| Total domestic deposits to total assets | 90.0582% | 274 |
| Equity capital to assets | 8.1642% | 5,099 |
| Core capital (leverage) ratio | 8.1569% | 5,072 |
| Tier 1 risk-based capital ratio | 10.1286% | 5,170 |
| Total risk-based capital ratio | 11.3805% | 5,099 |
| Memoranda: | ||
| Average total assets | $1,089,740,250 | 728 |
| Average earning assets | $1,024,531,750 | 710 |
| Average equity | $90,926,750 | 966 |
| Average total loans | $845,972,500 | 685 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7918% | 341 |
| Cost of funding earning assets | 0.8032% | 2,626 |
| Net interest margin | 4.9886% | 296 |
| Noninterest income to average assets | 0.9833% | 902 |
| Noninterest expense to average assets | 3.0505% | 1,862 |
| Loan and lease loss provision to assets | 0.3018% | 459 |
| Net operating income to assets | 1.8052% | 585 |
| Return on assets (ROA) | 2.2755% | 236 |
| Pretax return on assets | 2.9102% | 137 |
| Return on Equity (ROE) | 27.0552% | 65 |
| Retained earnings to average equity (ytd only) | 16.9625% | 106 |
| Net charge-offs to loans | 0.1932% | 857 |
| Credit loss provision to net charge-offs | 198.5112% | 1,223 |
| Earnings coverage of net charge-offs (x) | 17.2109% | 1,900 |
| Efficiency ratio | 53.5481% | 4,516 |
| Assets per employee ($millions) | 7.0025% | 999 |
| Cash dividends to net income (ytd only)* | 37.3042% | 2,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4190% | 1,533 |
| Loan loss allowance to noncurrent loans | 4,881.2000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,631 |
| Noncurrent loans to loans | 0.0291% | 4,577 |
| Net loans and leases to total assets | 75.6656% | 1,602 |
| Net loans and leases to deposits | 84.1575% | 2,478 |
| Net loans and leases to core deposits | 87.9585% | 2,800 |
| Total domestic deposits to total assets | 89.9095% | 362 |
| Equity capital to assets | 8.3678% | 5,089 |
| Core capital (leverage) ratio | 8.2372% | 5,092 |
| Tier 1 risk-based capital ratio | 10.1160% | 5,209 |
| Total risk-based capital ratio | 11.3674% | 5,145 |
| Memoranda: | ||
| Average total assets | $1,060,268,670 | 746 |
| Average earning assets | $995,513,000 | 727 |
| Average equity | $89,173,330 | 976 |
| Average total loans | $834,308,330 | 688 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 299 |
| Cost of funding earning assets | 0.7943% | 2,568 |
| Net interest margin | 5.0293% | 272 |
| Noninterest income to average assets | 1.0146% | 775 |
| Noninterest expense to average assets | 3.0813% | 1,770 |
| Loan and lease loss provision to assets | 0.2330% | 646 |
| Net operating income to assets | 1.9257% | 440 |
| Return on assets (ROA) | 1.9328% | 448 |
| Pretax return on assets | 2.4248% | 280 |
| Return on Equity (ROE) | 22.9180% | 147 |
| Retained earnings to average equity (ytd only) | 15.0915% | 274 |
| Net charge-offs to loans | 0.0200% | 2,055 |
| Credit loss provision to net charge-offs | 1,463.4146% | 277 |
| Earnings coverage of net charge-offs (x) | 166.3902% | 461 |
| Efficiency ratio | 53.4896% | 4,581 |
| Assets per employee ($millions) | 6.9460% | 1,018 |
| Cash dividends to net income (ytd only)* | 34.1503% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 1,490 |
| Loan loss allowance to noncurrent loans | 5,954.2289% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,723 |
| Noncurrent loans to loans | 0.0245% | 4,673 |
| Net loans and leases to total assets | 75.7058% | 1,532 |
| Net loans and leases to deposits | 84.2555% | 2,357 |
| Net loans and leases to core deposits | 88.6235% | 2,627 |
| Total domestic deposits to total assets | 89.8526% | 511 |
| Equity capital to assets | 8.3776% | 5,051 |
| Core capital (leverage) ratio | 8.0985% | 5,182 |
| Tier 1 risk-based capital ratio | 10.3620% | 5,204 |
| Total risk-based capital ratio | 11.6144% | 5,130 |
| Memoranda: | ||
| Average total assets | $1,030,202,000 | 763 |
| Average earning assets | $965,938,500 | 750 |
| Average equity | $86,883,500 | 993 |
| Average total loans | $821,481,500 | 701 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 366 |
| Cost of funding earning assets | 0.5250% | 3,207 |
| Net interest margin | 5.0215% | 255 |
| Noninterest income to average assets | 0.9978% | 943 |
| Noninterest expense to average assets | 3.1756% | 1,612 |
| Loan and lease loss provision to assets | 0.2226% | 807 |
| Net operating income to assets | 1.8528% | 499 |
| Return on assets (ROA) | 1.8558% | 496 |
| Pretax return on assets | 2.3276% | 285 |
| Return on Equity (ROE) | 21.9448% | 157 |
| Retained earnings to average equity (ytd only) | 11.2895% | 393 |
| Net charge-offs to loans | 0.0594% | 2,287 |
| Credit loss provision to net charge-offs | 455.5315% | 751 |
| Earnings coverage of net charge-offs (x) | 52.1085% | 1,103 |
| Efficiency ratio | 55.1863% | 4,496 |
| Assets per employee ($millions) | 6.5179% | 1,208 |
| Cash dividends to net income (ytd only)* | 48.5548% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,682 |
| Loan loss allowance to noncurrent loans | 826.8116% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 4,099 |
| Noncurrent loans to loans | 0.1681% | 3,993 |
| Net loans and leases to total assets | 81.7357% | 688 |
| Net loans and leases to deposits | 89.8025% | 1,826 |
| Net loans and leases to core deposits | 94.6442% | 2,174 |
| Total domestic deposits to total assets | 91.0172% | 204 |
| Equity capital to assets | 8.4941% | 4,937 |
| Core capital (leverage) ratio | 8.1741% | 5,180 |
| Tier 1 risk-based capital ratio | 9.9188% | 5,329 |
| Total risk-based capital ratio | 11.1703% | 5,279 |
| Memoranda: | ||
| Average total assets | $943,336,000 | 806 |
| Average earning assets | $887,496,000 | 793 |
| Average equity | $79,773,000 | 1,033 |
| Average total loans | $775,454,400 | 719 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4241% | 426 |
| Cost of funding earning assets | 0.4798% | 3,329 |
| Net interest margin | 4.9443% | 286 |
| Noninterest income to average assets | 1.0037% | 955 |
| Noninterest expense to average assets | 3.1646% | 1,613 |
| Loan and lease loss provision to assets | 0.1431% | 1,389 |
| Net operating income to assets | 1.8903% | 496 |
| Return on assets (ROA) | 1.8943% | 490 |
| Pretax return on assets | 2.3607% | 300 |
| Return on Equity (ROE) | 22.4267% | 153 |
| Retained earnings to average equity (ytd only) | 13.9536% | 257 |
| Net charge-offs to loans | 0.0576% | 1,993 |
| Credit loss provision to net charge-offs | 303.0303% | 1,015 |
| Earnings coverage of net charge-offs (x) | 52.9029% | 1,136 |
| Efficiency ratio | 55.5589% | 4,439 |
| Assets per employee ($millions) | 6.6157% | 1,129 |
| Cash dividends to net income (ytd only)* | 37.7815% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 1,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 4,986 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.6739% | 916 |
| Net loans and leases to deposits | 88.6791% | 2,067 |
| Net loans and leases to core deposits | 93.4168% | 2,359 |
| Total domestic deposits to total assets | 90.9728% | 231 |
| Equity capital to assets | 8.5391% | 4,899 |
| Core capital (leverage) ratio | 8.3856% | 5,149 |
| Tier 1 risk-based capital ratio | 10.2237% | 5,323 |
| Total risk-based capital ratio | 11.4744% | 5,253 |
| Memoranda: | ||
| Average total assets | $931,489,750 | 814 |
| Average earning assets | $877,891,500 | 805 |
| Average equity | $78,678,000 | 1,035 |
| Average total loans | $764,022,250 | 723 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2627% | 503 |
| Cost of funding earning assets | 0.4482% | 3,370 |
| Net interest margin | 4.8145% | 359 |
| Noninterest income to average assets | 1.0163% | 926 |
| Noninterest expense to average assets | 3.1934% | 1,546 |
| Loan and lease loss provision to assets | 0.0543% | 2,819 |
| Net operating income to assets | 1.8179% | 557 |
| Return on assets (ROA) | 1.8239% | 555 |
| Pretax return on assets | 2.3108% | 321 |
| Return on Equity (ROE) | 21.6765% | 172 |
| Retained earnings to average equity (ytd only) | 14.9591% | 201 |
| Net charge-offs to loans | 0.0784% | 1,540 |
| Credit loss provision to net charge-offs | 84.4595% | 2,216 |
| Earnings coverage of net charge-offs (x) | 36.6385% | 1,362 |
| Efficiency ratio | 56.8710% | 4,377 |
| Assets per employee ($millions) | 6.6140% | 1,125 |
| Cash dividends to net income (ytd only)* | 30.9893% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,716 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 80.7652% | 891 |
| Net loans and leases to deposits | 88.5702% | 2,040 |
| Net loans and leases to core deposits | 92.9340% | 2,315 |
| Total domestic deposits to total assets | 91.1879% | 208 |
| Equity capital to assets | 8.3944% | 5,019 |
| Core capital (leverage) ratio | 8.3599% | 5,187 |
| Tier 1 risk-based capital ratio | 9.8164% | 5,463 |
| Total risk-based capital ratio | 11.0397% | 5,428 |
| Memoranda: | ||
| Average total assets | $920,020,000 | 829 |
| Average earning assets | $866,556,670 | 818 |
| Average equity | $77,411,000 | 1,051 |
| Average total loans | $755,473,670 | 733 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1845% | 503 |
| Cost of funding earning assets | 0.4304% | 3,367 |
| Net interest margin | 4.7542% | 372 |
| Noninterest income to average assets | 0.9892% | 931 |
| Noninterest expense to average assets | 3.1973% | 1,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7973% | 569 |
| Return on assets (ROA) | 1.8079% | 561 |
| Pretax return on assets | 2.2854% | 328 |
| Return on Equity (ROE) | 21.4595% | 178 |
| Retained earnings to average equity (ytd only) | 16.1869% | 238 |
| Net charge-offs to loans | -0.0032% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7763% | 4,373 |
| Assets per employee ($millions) | 6.1371% | 1,413 |
| Cash dividends to net income (ytd only)* | 24.5700% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 4,772 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.4408% | 609 |
| Net loans and leases to deposits | 90.5280% | 1,628 |
| Net loans and leases to core deposits | 94.6781% | 2,082 |
| Total domestic deposits to total assets | 91.0666% | 297 |
| Equity capital to assets | 8.5203% | 4,960 |
| Core capital (leverage) ratio | 8.2437% | 5,293 |
| Tier 1 risk-based capital ratio | 9.6587% | 5,543 |
| Total risk-based capital ratio | 10.9087% | 5,524 |
| Memoranda: | ||
| Average total assets | $900,515,500 | 854 |
| Average earning assets | $848,600,500 | 838 |
| Average equity | $75,864,000 | 1,082 |
| Average total loans | $741,067,500 | 746 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8766% | 842 |
| Cost of funding earning assets | 0.3828% | 3,406 |
| Net interest margin | 4.4938% | 616 |
| Noninterest income to average assets | 1.0894% | 854 |
| Noninterest expense to average assets | 3.0003% | 2,168 |
| Loan and lease loss provision to assets | 0.1205% | 1,898 |
| Net operating income to assets | 1.3461% | 1,124 |
| Return on assets (ROA) | 1.4103% | 1,011 |
| Pretax return on assets | 2.3068% | 260 |
| Return on Equity (ROE) | 16.9508% | 399 |
| Retained earnings to average equity (ytd only) | 8.6941% | 559 |
| Net charge-offs to loans | 0.0231% | 3,345 |
| Credit loss provision to net charge-offs | 653.5948% | 496 |
| Earnings coverage of net charge-offs (x) | 126.1961% | 543 |
| Efficiency ratio | 56.3197% | 4,737 |
| Assets per employee ($millions) | 6.3329% | 1,297 |
| Cash dividends to net income (ytd only)* | 48.7096% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,931 |
| Loan loss allowance to noncurrent loans | 69,785.7143% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0672% | 4,792 |
| Noncurrent loans to loans | 0.0019% | 5,066 |
| Net loans and leases to total assets | 79.9374% | 965 |
| Net loans and leases to deposits | 87.6172% | 2,060 |
| Net loans and leases to core deposits | 91.5991% | 2,407 |
| Total domestic deposits to total assets | 91.2348% | 187 |
| Equity capital to assets | 8.3257% | 5,246 |
| Core capital (leverage) ratio | 8.4318% | 5,197 |
| Tier 1 risk-based capital ratio | 10.0306% | 5,526 |
| Total risk-based capital ratio | 11.2819% | 5,467 |
| Memoranda: | ||
| Average total assets | $829,747,600 | 899 |
| Average earning assets | $782,495,000 | 883 |
| Average equity | $69,035,000 | 1,153 |
| Average total loans | $661,373,800 | 789 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8355% | 863 |
| Cost of funding earning assets | 0.3813% | 3,367 |
| Net interest margin | 4.4543% | 660 |
| Noninterest income to average assets | 1.1567% | 763 |
| Noninterest expense to average assets | 2.8758% | 2,491 |
| Loan and lease loss provision to assets | 0.0654% | 2,764 |
| Net operating income to assets | 1.6077% | 701 |
| Return on assets (ROA) | 1.6408% | 668 |
| Pretax return on assets | 2.4693% | 217 |
| Return on Equity (ROE) | 19.7244% | 235 |
| Retained earnings to average equity (ytd only) | 11.4699% | 348 |
| Net charge-offs to loans | -0.0328% | 5,026 |
| Credit loss provision to net charge-offs | -251.5723% | 4,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6477% | 4,958 |
| Assets per employee ($millions) | 6.4829% | 1,196 |
| Cash dividends to net income (ytd only)* | 41.8493% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 1,945 |
| Loan loss allowance to noncurrent loans | 1,739.8165% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,578 |
| Noncurrent loans to loans | 0.0798% | 4,755 |
| Net loans and leases to total assets | 79.8960% | 999 |
| Net loans and leases to deposits | 91.4851% | 1,627 |
| Net loans and leases to core deposits | 95.7117% | 2,108 |
| Total domestic deposits to total assets | 87.3323% | 1,710 |
| Equity capital to assets | 8.3858% | 5,349 |
| Core capital (leverage) ratio | 8.3185% | 5,361 |
| Tier 1 risk-based capital ratio | 10.0135% | 5,596 |
| Total risk-based capital ratio | 11.2650% | 5,554 |
| Memoranda: | ||
| Average total assets | $815,534,750 | 917 |
| Average earning assets | $769,669,250 | 898 |
| Average equity | $67,839,750 | 1,185 |
| Average total loans | $647,093,750 | 813 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 999 |
| Cost of funding earning assets | 0.3820% | 3,271 |
| Net interest margin | 4.3497% | 764 |
| Noninterest income to average assets | 1.2593% | 656 |
| Noninterest expense to average assets | 2.8525% | 2,575 |
| Loan and lease loss provision to assets | 0.0496% | 2,995 |
| Net operating income to assets | 1.6429% | 634 |
| Return on assets (ROA) | 1.6874% | 588 |
| Pretax return on assets | 2.5348% | 201 |
| Return on Equity (ROE) | 20.3422% | 205 |
| Retained earnings to average equity (ytd only) | 14.0638% | 179 |
| Net charge-offs to loans | -0.0453% | 5,136 |
| Credit loss provision to net charge-offs | -138.8889% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1148% | 5,087 |
| Assets per employee ($millions) | 6.5141% | 1,144 |
| Cash dividends to net income (ytd only)* | 30.8642% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 1,915 |
| Loan loss allowance to noncurrent loans | 2,150.1160% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,713 |
| Noncurrent loans to loans | 0.0655% | 4,864 |
| Net loans and leases to total assets | 76.5628% | 1,453 |
| Net loans and leases to deposits | 85.2268% | 2,319 |
| Net loans and leases to core deposits | 88.8911% | 2,625 |
| Total domestic deposits to total assets | 89.8343% | 588 |
| Equity capital to assets | 8.2231% | 5,434 |
| Core capital (leverage) ratio | 8.2452% | 5,399 |
| Tier 1 risk-based capital ratio | 10.2998% | 5,540 |
| Total risk-based capital ratio | 11.5516% | 5,476 |
| Memoranda: | ||
| Average total assets | $806,455,000 | 935 |
| Average earning assets | $762,205,670 | 912 |
| Average equity | $66,895,330 | 1,198 |
| Average total loans | $635,183,330 | 830 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6047% | 1,132 |
| Cost of funding earning assets | 0.3783% | 3,219 |
| Net interest margin | 4.2265% | 932 |
| Noninterest income to average assets | 1.4835% | 492 |
| Noninterest expense to average assets | 2.8703% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.7602% | 489 |
| Return on assets (ROA) | 1.7602% | 499 |
| Pretax return on assets | 2.6093% | 185 |
| Return on Equity (ROE) | 21.1217% | 184 |
| Retained earnings to average equity (ytd only) | 14.7119% | 249 |
| Net charge-offs to loans | -0.0846% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3814% | 5,249 |
| Assets per employee ($millions) | 6.4048% | 1,228 |
| Cash dividends to net income (ytd only)* | 30.3468% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 1,893 |
| Loan loss allowance to noncurrent loans | 1,800.1988% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,727 |
| Noncurrent loans to loans | 0.0801% | 4,875 |
| Net loans and leases to total assets | 76.6627% | 1,311 |
| Net loans and leases to deposits | 85.6371% | 2,074 |
| Net loans and leases to core deposits | 89.3492% | 2,413 |
| Total domestic deposits to total assets | 89.5204% | 889 |
| Equity capital to assets | 8.2806% | 5,365 |
| Core capital (leverage) ratio | 8.3352% | 5,355 |
| Tier 1 risk-based capital ratio | 10.2414% | 5,636 |
| Total risk-based capital ratio | 11.4934% | 5,578 |
| Memoranda: | ||
| Average total assets | $786,265,500 | 958 |
| Average earning assets | $743,411,000 | 940 |
| Average equity | $65,525,000 | 1,216 |
| Average total loans | $623,961,500 | 841 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 795 |
| Cost of funding earning assets | 0.3839% | 3,162 |
| Net interest margin | 4.4716% | 659 |
| Noninterest income to average assets | 1.0855% | 961 |
| Noninterest expense to average assets | 3.1011% | 2,034 |
| Loan and lease loss provision to assets | 0.2986% | 633 |
| Net operating income to assets | 1.3167% | 1,175 |
| Return on assets (ROA) | 1.5285% | 812 |
| Pretax return on assets | 2.2377% | 303 |
| Return on Equity (ROE) | 18.4168% | 298 |
| Retained earnings to average equity (ytd only) | 11.2201% | 290 |
| Net charge-offs to loans | 0.0284% | 3,454 |
| Credit loss provision to net charge-offs | 1,320.7547% | 308 |
| Earnings coverage of net charge-offs (x) | 98.3962% | 605 |
| Efficiency ratio | 58.2254% | 4,821 |
| Assets per employee ($millions) | 6.1736% | 1,350 |
| Cash dividends to net income (ytd only)* | 39.0770% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 1,921 |
| Loan loss allowance to noncurrent loans | 980.6593% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,543 |
| Noncurrent loans to loans | 0.1467% | 4,648 |
| Net loans and leases to total assets | 79.8500% | 917 |
| Net loans and leases to deposits | 89.9965% | 1,683 |
| Net loans and leases to core deposits | 94.7790% | 2,035 |
| Total domestic deposits to total assets | 88.7256% | 1,250 |
| Equity capital to assets | 8.3897% | 5,351 |
| Core capital (leverage) ratio | 8.4556% | 5,306 |
| Tier 1 risk-based capital ratio | 10.3995% | 5,615 |
| Total risk-based capital ratio | 11.6521% | 5,554 |
| Memoranda: | ||
| Average total assets | $703,174,200 | 1,019 |
| Average earning assets | $666,830,400 | 994 |
| Average equity | $58,359,800 | 1,321 |
| Average total loans | $559,316,200 | 886 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8791% | 757 |
| Cost of funding earning assets | 0.3859% | 3,164 |
| Net interest margin | 4.4932% | 643 |
| Noninterest income to average assets | 1.1270% | 903 |
| Noninterest expense to average assets | 3.0304% | 2,229 |
| Loan and lease loss provision to assets | 0.2909% | 594 |
| Net operating income to assets | 1.4161% | 1,039 |
| Return on assets (ROA) | 1.7049% | 624 |
| Pretax return on assets | 2.4952% | 219 |
| Return on Equity (ROE) | 20.6041% | 214 |
| Retained earnings to average equity (ytd only) | 13.2221% | 209 |
| Net charge-offs to loans | 0.0377% | 2,872 |
| Credit loss provision to net charge-offs | 974.0260% | 419 |
| Earnings coverage of net charge-offs (x) | 79.0772% | 795 |
| Efficiency ratio | 56.2037% | 5,045 |
| Assets per employee ($millions) | 5.4320% | 1,925 |
| Cash dividends to net income (ytd only)* | 35.8281% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 1,958 |
| Loan loss allowance to noncurrent loans | 193.0459% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 2,879 |
| Noncurrent loans to loans | 0.7534% | 2,785 |
| Net loans and leases to total assets | 78.1100% | 1,175 |
| Net loans and leases to deposits | 88.1253% | 1,998 |
| Net loans and leases to core deposits | 93.2984% | 2,253 |
| Total domestic deposits to total assets | 88.6351% | 1,082 |
| Equity capital to assets | 8.3509% | 5,606 |
| Core capital (leverage) ratio | 8.0861% | 5,646 |
| Tier 1 risk-based capital ratio | 10.0843% | 5,767 |
| Total risk-based capital ratio | 11.3370% | 5,716 |
| Memoranda: | ||
| Average total assets | $687,584,750 | 1,038 |
| Average earning assets | $652,640,000 | 1,010 |
| Average equity | $56,893,250 | 1,357 |
| Average total loans | $544,095,000 | 903 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 667 |
| Cost of funding earning assets | 0.3813% | 3,240 |
| Net interest margin | 4.5526% | 547 |
| Noninterest income to average assets | 1.1947% | 790 |
| Noninterest expense to average assets | 3.0496% | 2,210 |
| Loan and lease loss provision to assets | 0.3255% | 523 |
| Net operating income to assets | 1.4692% | 943 |
| Return on assets (ROA) | 1.7244% | 582 |
| Pretax return on assets | 2.5102% | 214 |
| Return on Equity (ROE) | 20.9086% | 199 |
| Retained earnings to average equity (ytd only) | 14.0025% | 188 |
| Net charge-offs to loans | 0.0385% | 2,684 |
| Credit loss provision to net charge-offs | 1,067.9612% | 356 |
| Earnings coverage of net charge-offs (x) | 80.9126% | 698 |
| Efficiency ratio | 55.2921% | 5,215 |
| Assets per employee ($millions) | 5.3733% | 1,912 |
| Cash dividends to net income (ytd only)* | 33.0302% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,036 |
| Loan loss allowance to noncurrent loans | 2,266.4773% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.1346% | 4,969 |
| Noncurrent loans to loans | 0.0643% | 5,195 |
| Net loans and leases to total assets | 77.7969% | 1,234 |
| Net loans and leases to deposits | 88.0243% | 1,994 |
| Net loans and leases to core deposits | 94.6739% | 2,093 |
| Total domestic deposits to total assets | 88.3812% | 1,228 |
| Equity capital to assets | 8.4915% | 5,600 |
| Core capital (leverage) ratio | 8.1207% | 5,654 |
| Tier 1 risk-based capital ratio | 10.2003% | 5,791 |
| Total risk-based capital ratio | 11.4528% | 5,720 |
| Memoranda: | ||
| Average total assets | $675,962,330 | 1,055 |
| Average earning assets | $641,516,670 | 1,023 |
| Average equity | $55,747,330 | 1,384 |
| Average total loans | $534,581,670 | 916 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 764 |
| Cost of funding earning assets | 0.3693% | 3,405 |
| Net interest margin | 4.4818% | 626 |
| Noninterest income to average assets | 1.2677% | 682 |
| Noninterest expense to average assets | 3.0514% | 2,237 |
| Loan and lease loss provision to assets | 0.3896% | 363 |
| Net operating income to assets | 1.4541% | 931 |
| Return on assets (ROA) | 1.4541% | 975 |
| Pretax return on assets | 2.0894% | 477 |
| Return on Equity (ROE) | 17.9069% | 359 |
| Retained earnings to average equity (ytd only) | 10.1566% | 817 |
| Net charge-offs to loans | 0.1068% | 1,487 |
| Credit loss provision to net charge-offs | 460.9929% | 647 |
| Earnings coverage of net charge-offs (x) | 29.3333% | 1,194 |
| Efficiency ratio | 55.1750% | 5,269 |
| Assets per employee ($millions) | 5.8860% | 1,498 |
| Cash dividends to net income (ytd only)* | 43.2811% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3857% | 2,495 |
| Loan loss allowance to noncurrent loans | 819.6937% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 5,057 |
| Noncurrent loans to loans | 0.1691% | 4,814 |
| Net loans and leases to total assets | 74.8605% | 1,584 |
| Net loans and leases to deposits | 86.6738% | 1,990 |
| Net loans and leases to core deposits | 93.4996% | 2,049 |
| Total domestic deposits to total assets | 86.3705% | 2,510 |
| Equity capital to assets | 7.7457% | 5,897 |
| Core capital (leverage) ratio | 8.1530% | 5,683 |
| Tier 1 risk-based capital ratio | 10.1814% | 5,870 |
| Total risk-based capital ratio | 11.4337% | 5,796 |
| Memoranda: | ||
| Average total assets | $667,367,500 | 1,062 |
| Average earning assets | $634,745,000 | 1,032 |
| Average equity | $54,191,500 | 1,427 |
| Average total loans | $528,258,000 | 929 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2127% | 420 |
| Cost of funding earning assets | 0.4043% | 3,108 |
| Net interest margin | 4.8085% | 364 |
| Noninterest income to average assets | 1.0664% | 1,033 |
| Noninterest expense to average assets | 3.1269% | 2,157 |
| Loan and lease loss provision to assets | 0.3956% | 351 |
| Net operating income to assets | 1.4591% | 933 |
| Return on assets (ROA) | 1.5093% | 881 |
| Pretax return on assets | 2.1711% | 370 |
| Return on Equity (ROE) | 17.8872% | 388 |
| Retained earnings to average equity (ytd only) | 9.9562% | 465 |
| Net charge-offs to loans | 0.0784% | 2,695 |
| Credit loss provision to net charge-offs | 626.6667% | 539 |
| Earnings coverage of net charge-offs (x) | 39.5200% | 1,194 |
| Efficiency ratio | 55.6194% | 5,384 |
| Assets per employee ($millions) | 5.3667% | 1,933 |
| Cash dividends to net income (ytd only)* | 44.3391% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 5,281 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.7441% | 622 |
| Net loans and leases to deposits | 91.3693% | 1,466 |
| Net loans and leases to core deposits | 95.6421% | 1,883 |
| Total domestic deposits to total assets | 89.4656% | 874 |
| Equity capital to assets | 8.5486% | 5,521 |
| Core capital (leverage) ratio | 8.2322% | 5,663 |
| Tier 1 risk-based capital ratio | 10.5165% | 5,768 |
| Total risk-based capital ratio | 11.7685% | 5,685 |
| Memoranda: | ||
| Average total assets | $593,983,000 | 1,148 |
| Average earning assets | $562,737,400 | 1,116 |
| Average equity | $50,119,600 | 1,488 |
| Average total loans | $478,470,000 | 973 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2454% | 411 |
| Cost of funding earning assets | 0.4073% | 3,151 |
| Net interest margin | 4.8380% | 347 |
| Noninterest income to average assets | 1.0926% | 1,010 |
| Noninterest expense to average assets | 3.0590% | 2,338 |
| Loan and lease loss provision to assets | 0.3976% | 307 |
| Net operating income to assets | 1.5369% | 872 |
| Return on assets (ROA) | 1.5695% | 859 |
| Pretax return on assets | 2.2654% | 359 |
| Return on Equity (ROE) | 18.6654% | 358 |
| Retained earnings to average equity (ytd only) | 10.7620% | 511 |
| Net charge-offs to loans | 0.0588% | 2,764 |
| Credit loss provision to net charge-offs | 845.4106% | 426 |
| Earnings coverage of net charge-offs (x) | 55.6190% | 970 |
| Efficiency ratio | 53.9056% | 5,524 |
| Assets per employee ($millions) | 5.6813% | 1,606 |
| Cash dividends to net income (ytd only)* | 42.3422% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,957 |
| Loan loss allowance to noncurrent loans | 1,259.6154% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,339 |
| Noncurrent loans to loans | 0.1055% | 5,216 |
| Net loans and leases to total assets | 78.5452% | 1,018 |
| Net loans and leases to deposits | 89.3480% | 1,733 |
| Net loans and leases to core deposits | 93.3061% | 2,141 |
| Total domestic deposits to total assets | 87.9093% | 1,615 |
| Equity capital to assets | 8.3036% | 5,827 |
| Core capital (leverage) ratio | 8.3170% | 5,703 |
| Tier 1 risk-based capital ratio | 10.6094% | 5,836 |
| Total risk-based capital ratio | 11.8610% | 5,762 |
| Memoranda: | ||
| Average total assets | $586,845,750 | 1,167 |
| Average earning assets | $555,804,000 | 1,135 |
| Average equity | $49,345,000 | 1,513 |
| Average total loans | $469,121,250 | 990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1960% | 430 |
| Cost of funding earning assets | 0.4074% | 3,194 |
| Net interest margin | 4.7886% | 375 |
| Noninterest income to average assets | 1.0281% | 1,123 |
| Noninterest expense to average assets | 3.0362% | 2,437 |
| Loan and lease loss provision to assets | 0.3646% | 350 |
| Net operating income to assets | 1.4947% | 903 |
| Return on assets (ROA) | 1.4947% | 950 |
| Pretax return on assets | 2.1651% | 443 |
| Return on Equity (ROE) | 17.6968% | 430 |
| Retained earnings to average equity (ytd only) | 9.9891% | 664 |
| Net charge-offs to loans | 0.0195% | 3,296 |
| Credit loss provision to net charge-offs | 2,333.3333% | 171 |
| Earnings coverage of net charge-offs (x) | 161.9111% | 407 |
| Efficiency ratio | 54.5506% | 5,538 |
| Assets per employee ($millions) | 5.1880% | 2,048 |
| Cash dividends to net income (ytd only)* | 43.5540% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 3,366 |
| Loan loss allowance to noncurrent loans | 3,098.9691% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 5,731 |
| Noncurrent loans to loans | 0.0412% | 5,582 |
| Net loans and leases to total assets | 80.0728% | 795 |
| Net loans and leases to deposits | 92.4840% | 1,321 |
| Net loans and leases to core deposits | 96.7800% | 1,731 |
| Total domestic deposits to total assets | 86.5802% | 2,386 |
| Equity capital to assets | 8.6748% | 5,547 |
| Core capital (leverage) ratio | 8.3638% | 5,665 |
| Tier 1 risk-based capital ratio | 10.7220% | 5,833 |
| Total risk-based capital ratio | 11.9727% | 5,770 |
| Memoranda: | ||
| Average total assets | $576,041,330 | 1,191 |
| Average earning assets | $545,884,670 | 1,156 |
| Average equity | $48,653,000 | 1,544 |
| Average total loans | $461,179,000 | 1,006 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1406% | 451 |
| Cost of funding earning assets | 0.4024% | 3,276 |
| Net interest margin | 4.7382% | 391 |
| Noninterest income to average assets | 0.9959% | 1,129 |
| Noninterest expense to average assets | 2.9843% | 2,632 |
| Loan and lease loss provision to assets | 0.3836% | 317 |
| Net operating income to assets | 1.4653% | 913 |
| Return on assets (ROA) | 1.4653% | 970 |
| Pretax return on assets | 2.1118% | 470 |
| Return on Equity (ROE) | 17.5901% | 425 |
| Retained earnings to average equity (ytd only) | 10.0550% | 909 |
| Net charge-offs to loans | 0.0526% | 2,252 |
| Credit loss provision to net charge-offs | 916.6667% | 357 |
| Earnings coverage of net charge-offs (x) | 59.6333% | 742 |
| Efficiency ratio | 54.4610% | 5,640 |
| Assets per employee ($millions) | 5.6791% | 1,643 |
| Cash dividends to net income (ytd only)* | 42.8367% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 4,077 |
| Loan loss allowance to noncurrent loans | 2,114.2308% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0436% | 5,764 |
| Noncurrent loans to loans | 0.0559% | 5,552 |
| Net loans and leases to total assets | 77.1153% | 1,043 |
| Net loans and leases to deposits | 88.6346% | 1,545 |
| Net loans and leases to core deposits | 93.8553% | 1,781 |
| Total domestic deposits to total assets | 87.0037% | 2,364 |
| Equity capital to assets | 8.2689% | 5,891 |
| Core capital (leverage) ratio | 8.4779% | 5,541 |
| Tier 1 risk-based capital ratio | 10.6803% | 5,945 |
| Total risk-based capital ratio | 11.9099% | 5,881 |
| Memoranda: | ||
| Average total assets | $573,536,500 | 1,201 |
| Average earning assets | $542,741,000 | 1,173 |
| Average equity | $47,777,000 | 1,574 |
| Average total loans | $456,130,500 | 1,017 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 366 |
| Cost of funding earning assets | 0.4745% | 2,938 |
| Net interest margin | 4.9419% | 332 |
| Noninterest income to average assets | 0.9766% | 1,265 |
| Noninterest expense to average assets | 3.2848% | 1,964 |
| Loan and lease loss provision to assets | 0.2172% | 1,141 |
| Net operating income to assets | 1.4260% | 1,028 |
| Return on assets (ROA) | 1.5357% | 848 |
| Pretax return on assets | 2.2775% | 277 |
| Return on Equity (ROE) | 17.3797% | 450 |
| Retained earnings to average equity (ytd only) | 10.1096% | 500 |
| Net charge-offs to loans | 0.0503% | 3,826 |
| Credit loss provision to net charge-offs | 532.1782% | 499 |
| Earnings coverage of net charge-offs (x) | 57.1188% | 824 |
| Efficiency ratio | 58.4934% | 5,407 |
| Assets per employee ($millions) | 5.2958% | 1,969 |
| Cash dividends to net income (ytd only)* | 41.8311% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 4,447 |
| Loan loss allowance to noncurrent loans | 1,726.5517% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 5,805 |
| Noncurrent loans to loans | 0.0649% | 5,618 |
| Net loans and leases to total assets | 80.2360% | 716 |
| Net loans and leases to deposits | 92.6551% | 1,221 |
| Net loans and leases to core deposits | 98.7356% | 1,488 |
| Total domestic deposits to total assets | 86.5965% | 2,513 |
| Equity capital to assets | 8.3967% | 5,829 |
| Core capital (leverage) ratio | 8.3535% | 5,722 |
| Tier 1 risk-based capital ratio | 10.1161% | 6,227 |
| Total risk-based capital ratio | 11.2531% | 6,206 |
| Memoranda: | ||
| Average total assets | $495,005,600 | 1,345 |
| Average earning assets | $464,681,000 | 1,321 |
| Average equity | $43,740,600 | 1,651 |
| Average total loans | $401,912,000 | 1,096 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4650% | 334 |
| Cost of funding earning assets | 0.4881% | 2,881 |
| Net interest margin | 4.9769% | 313 |
| Noninterest income to average assets | 0.9991% | 1,227 |
| Noninterest expense to average assets | 3.2674% | 1,974 |
| Loan and lease loss provision to assets | 0.2009% | 1,182 |
| Net operating income to assets | 1.4854% | 968 |
| Return on assets (ROA) | 1.6189% | 747 |
| Pretax return on assets | 2.3927% | 259 |
| Return on Equity (ROE) | 18.0632% | 439 |
| Retained earnings to average equity (ytd only) | 9.1568% | 938 |
| Net charge-offs to loans | 0.0365% | 3,758 |
| Credit loss provision to net charge-offs | 677.5701% | 443 |
| Earnings coverage of net charge-offs (x) | 80.8429% | 699 |
| Efficiency ratio | 57.6789% | 5,485 |
| Assets per employee ($millions) | 4.6922% | 2,685 |
| Cash dividends to net income (ytd only)* | 49.3065% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1088% | 4,707 |
| Loan loss allowance to noncurrent loans | 7,310.7692% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 6,131 |
| Noncurrent loans to loans | 0.0152% | 5,973 |
| Net loans and leases to total assets | 82.8686% | 422 |
| Net loans and leases to deposits | 96.5759% | 838 |
| Net loans and leases to core deposits | 101.6603% | 1,236 |
| Total domestic deposits to total assets | 85.8067% | 2,955 |
| Equity capital to assets | 8.7589% | 5,588 |
| Core capital (leverage) ratio | 8.4525% | 5,704 |
| Tier 1 risk-based capital ratio | 10.1796% | 6,302 |
| Total risk-based capital ratio | 11.3022% | 6,295 |
| Memoranda: | ||
| Average total assets | $481,065,750 | 1,398 |
| Average earning assets | $450,980,000 | 1,374 |
| Average equity | $43,114,250 | 1,675 |
| Average total loans | $390,660,250 | 1,129 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4327% | 352 |
| Cost of funding earning assets | 0.5108% | 2,725 |
| Net interest margin | 4.9220% | 334 |
| Noninterest income to average assets | 1.0715% | 1,041 |
| Noninterest expense to average assets | 3.2119% | 2,150 |
| Loan and lease loss provision to assets | 0.2017% | 1,187 |
| Net operating income to assets | 1.5471% | 795 |
| Return on assets (ROA) | 1.6643% | 657 |
| Pretax return on assets | 2.4466% | 231 |
| Return on Equity (ROE) | 18.4192% | 421 |
| Retained earnings to average equity (ytd only) | 9.2543% | 897 |
| Net charge-offs to loans | -0.0116% | 5,362 |
| Credit loss provision to net charge-offs | -2,159.0909% | 5,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4698% | 5,695 |
| Assets per employee ($millions) | 5.0012% | 2,216 |
| Cash dividends to net income (ytd only)* | 49.7576% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1004% | 4,904 |
| Loan loss allowance to noncurrent loans | 3,215.9722% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 6,123 |
| Noncurrent loans to loans | 0.0342% | 5,959 |
| Net loans and leases to total assets | 84.0663% | 296 |
| Net loans and leases to deposits | 98.0959% | 658 |
| Net loans and leases to core deposits | 105.2226% | 948 |
| Total domestic deposits to total assets | 85.6981% | 3,195 |
| Equity capital to assets | 8.8761% | 5,433 |
| Core capital (leverage) ratio | 8.4443% | 5,695 |
| Tier 1 risk-based capital ratio | 10.0496% | 6,383 |
| Total risk-based capital ratio | 11.1551% | 6,387 |
| Memoranda: | ||
| Average total assets | $470,938,670 | 1,422 |
| Average earning assets | $441,693,330 | 1,395 |
| Average equity | $42,553,330 | 1,680 |
| Average total loans | $378,020,000 | 1,166 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 404 |
| Cost of funding earning assets | 0.5090% | 2,807 |
| Net interest margin | 4.7987% | 381 |
| Noninterest income to average assets | 0.9537% | 1,249 |
| Noninterest expense to average assets | 3.3161% | 1,910 |
| Loan and lease loss provision to assets | 0.1526% | 1,588 |
| Net operating income to assets | 1.3134% | 1,181 |
| Return on assets (ROA) | 1.3704% | 1,101 |
| Pretax return on assets | 2.0669% | 456 |
| Return on Equity (ROE) | 15.0228% | 771 |
| Retained earnings to average equity (ytd only) | 4.9885% | 3,115 |
| Net charge-offs to loans | 0.0011% | 3,652 |
| Credit loss provision to net charge-offs | 17,500.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,447.0000% | 4 |
| Efficiency ratio | 60.8543% | 5,284 |
| Assets per employee ($millions) | 4.9119% | 2,359 |
| Cash dividends to net income (ytd only)* | 66.7939% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 4,755 |
| Loan loss allowance to noncurrent loans | 2,659.2593% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 6,132 |
| Noncurrent loans to loans | 0.0442% | 6,018 |
| Net loans and leases to total assets | 74.5312% | 1,185 |
| Net loans and leases to deposits | 86.9635% | 1,471 |
| Net loans and leases to core deposits | 94.5347% | 1,507 |
| Total domestic deposits to total assets | 85.7039% | 3,512 |
| Equity capital to assets | 8.6707% | 5,470 |
| Core capital (leverage) ratio | 8.7655% | 5,304 |
| Tier 1 risk-based capital ratio | 10.9975% | 6,158 |
| Total risk-based capital ratio | 12.1631% | 6,144 |
| Memoranda: | ||
| Average total assets | $458,850,500 | 1,471 |
| Average earning assets | $429,863,500 | 1,444 |
| Average equity | $41,856,500 | 1,706 |
| Average total loans | $356,602,000 | 1,240 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4006% | 433 |
| Cost of funding earning assets | 0.5758% | 2,879 |
| Net interest margin | 4.8248% | 409 |
| Noninterest income to average assets | 1.0418% | 1,295 |
| Noninterest expense to average assets | 3.4044% | 1,874 |
| Loan and lease loss provision to assets | 0.1962% | 1,888 |
| Net operating income to assets | 1.4363% | 949 |
| Return on assets (ROA) | 1.4952% | 878 |
| Pretax return on assets | 1.9948% | 490 |
| Return on Equity (ROE) | 16.2522% | 593 |
| Retained earnings to average equity (ytd only) | 6.8976% | 1,477 |
| Net charge-offs to loans | 0.0237% | 4,954 |
| Credit loss provision to net charge-offs | 1,107.1429% | 226 |
| Earnings coverage of net charge-offs (x) | 119.2286% | 394 |
| Efficiency ratio | 61.7086% | 5,258 |
| Assets per employee ($millions) | 4.2296% | 3,398 |
| Cash dividends to net income (ytd only)* | 57.5588% | 1,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,696 |
| Loan loss allowance to noncurrent loans | 2,431.7647% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 6,195 |
| Noncurrent loans to loans | 0.0491% | 6,082 |
| Net loans and leases to total assets | 79.3498% | 665 |
| Net loans and leases to deposits | 96.7603% | 687 |
| Net loans and leases to core deposits | 103.0776% | 969 |
| Total domestic deposits to total assets | 82.0066% | 4,874 |
| Equity capital to assets | 9.6308% | 4,243 |
| Core capital (leverage) ratio | 9.4140% | 4,392 |
| Tier 1 risk-based capital ratio | 11.4280% | 5,945 |
| Total risk-based capital ratio | 12.6054% | 5,923 |
| Memoranda: | ||
| Average total assets | $395,076,400 | 1,674 |
| Average earning assets | $366,438,800 | 1,649 |
| Average equity | $36,345,800 | 1,902 |
| Average total loans | $295,807,800 | 1,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4119% | 431 |
| Cost of funding earning assets | 0.5937% | 2,859 |
| Net interest margin | 4.8182% | 414 |
| Noninterest income to average assets | 0.9945% | 1,472 |
| Noninterest expense to average assets | 3.3375% | 1,984 |
| Loan and lease loss provision to assets | 0.1641% | 2,205 |
| Net operating income to assets | 1.5374% | 840 |
| Return on assets (ROA) | 1.6062% | 785 |
| Pretax return on assets | 2.0397% | 530 |
| Return on Equity (ROE) | 17.6911% | 468 |
| Retained earnings to average equity (ytd only) | 7.0384% | 1,855 |
| Net charge-offs to loans | 0.0452% | 4,261 |
| Credit loss provision to net charge-offs | 494.7917% | 553 |
| Earnings coverage of net charge-offs (x) | 63.8317% | 716 |
| Efficiency ratio | 61.1906% | 5,243 |
| Assets per employee ($millions) | 4.3946% | 3,062 |
| Cash dividends to net income (ytd only)* | 60.2150% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,846 |
| Loan loss allowance to noncurrent loans | 1,953.3333% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0932% | 6,159 |
| Noncurrent loans to loans | 0.0616% | 6,155 |
| Net loans and leases to total assets | 77.3629% | 826 |
| Net loans and leases to deposits | 91.8415% | 990 |
| Net loans and leases to core deposits | 98.2834% | 1,224 |
| Total domestic deposits to total assets | 84.2352% | 4,094 |
| Equity capital to assets | 9.1228% | 5,024 |
| Core capital (leverage) ratio | 8.8505% | 5,327 |
| Tier 1 risk-based capital ratio | 10.8699% | 6,337 |
| Total risk-based capital ratio | 12.0372% | 6,333 |
| Memoranda: | ||
| Average total assets | $385,990,500 | 1,712 |
| Average earning assets | $357,277,500 | 1,691 |
| Average equity | $35,045,000 | 1,982 |
| Average total loans | $283,143,500 | 1,500 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3143% | 511 |
| Cost of funding earning assets | 0.6099% | 2,845 |
| Net interest margin | 4.7044% | 505 |
| Noninterest income to average assets | 1.0551% | 1,370 |
| Noninterest expense to average assets | 3.4200% | 1,778 |
| Loan and lease loss provision to assets | 0.1711% | 2,197 |
| Net operating income to assets | 1.4000% | 1,081 |
| Return on assets (ROA) | 1.5026% | 964 |
| Pretax return on assets | 1.9422% | 679 |
| Return on Equity (ROE) | 16.5776% | 590 |
| Retained earnings to average equity (ytd only) | 4.3796% | 3,488 |
| Net charge-offs to loans | 0.0904% | 3,461 |
| Credit loss provision to net charge-offs | 264.2276% | 956 |
| Earnings coverage of net charge-offs (x) | 30.5772% | 1,129 |
| Efficiency ratio | 63.3324% | 4,954 |
| Assets per employee ($millions) | 4.4678% | 2,867 |
| Cash dividends to net income (ytd only)* | 73.5809% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 4,838 |
| Loan loss allowance to noncurrent loans | 1,243.4932% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 6,256 |
| Noncurrent loans to loans | 0.0988% | 6,103 |
| Net loans and leases to total assets | 73.3773% | 1,346 |
| Net loans and leases to deposits | 85.7658% | 1,597 |
| Net loans and leases to core deposits | 92.1889% | 1,692 |
| Total domestic deposits to total assets | 85.5555% | 3,611 |
| Equity capital to assets | 8.5621% | 5,702 |
| Core capital (leverage) ratio | 8.2389% | 5,971 |
| Tier 1 risk-based capital ratio | 10.6239% | 6,466 |
| Total risk-based capital ratio | 11.7974% | 6,466 |
| Memoranda: | ||
| Average total assets | $379,885,670 | 1,739 |
| Average earning assets | $350,863,670 | 1,722 |
| Average equity | $34,432,000 | 2,019 |
| Average total loans | $271,994,330 | 1,547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 523 |
| Cost of funding earning assets | 0.5987% | 3,119 |
| Net interest margin | 4.6921% | 479 |
| Noninterest income to average assets | 1.0512% | 1,340 |
| Noninterest expense to average assets | 3.2775% | 2,136 |
| Loan and lease loss provision to assets | 0.1887% | 1,948 |
| Net operating income to assets | 1.6576% | 639 |
| Return on assets (ROA) | 1.8921% | 451 |
| Pretax return on assets | 2.2091% | 414 |
| Return on Equity (ROE) | 20.2744% | 275 |
| Retained earnings to average equity (ytd only) | 9.8773% | 1,135 |
| Net charge-offs to loans | 0.1352% | 2,597 |
| Credit loss provision to net charge-offs | 198.8636% | 1,102 |
| Earnings coverage of net charge-offs (x) | 22.3977% | 1,136 |
| Efficiency ratio | 60.6665% | 5,495 |
| Assets per employee ($millions) | 4.8069% | 2,477 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 4,643 |
| Loan loss allowance to noncurrent loans | 1,974.7191% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 6,455 |
| Noncurrent loans to loans | 0.0664% | 6,279 |
| Net loans and leases to total assets | 66.3141% | 2,312 |
| Net loans and leases to deposits | 77.6525% | 2,389 |
| Net loans and leases to core deposits | 84.1497% | 2,304 |
| Total domestic deposits to total assets | 85.3985% | 3,845 |
| Equity capital to assets | 8.7489% | 5,763 |
| Core capital (leverage) ratio | 9.1998% | 4,566 |
| Tier 1 risk-based capital ratio | 11.5369% | 6,168 |
| Total risk-based capital ratio | 12.7667% | 6,148 |
| Memoranda: | ||
| Average total assets | $371,009,500 | 1,778 |
| Average earning assets | $344,066,000 | 1,760 |
| Average equity | $34,625,000 | 2,036 |
| Average total loans | $260,288,000 | 1,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 496 |
| Cost of funding earning assets | 0.7442% | 3,122 |
| Net interest margin | 4.8651% | 482 |
| Noninterest income to average assets | 0.9625% | 1,655 |
| Noninterest expense to average assets | 3.5801% | 1,657 |
| Loan and lease loss provision to assets | 0.1902% | 3,260 |
| Net operating income to assets | 1.7535% | 555 |
| Return on assets (ROA) | 2.2309% | 262 |
| Pretax return on assets | 2.2309% | 382 |
| Return on Equity (ROE) | 22.9056% | 185 |
| Retained earnings to average equity (ytd only) | 13.1405% | 246 |
| Net charge-offs to loans | 0.0300% | 5,487 |
| Credit loss provision to net charge-offs | 909.0909% | 278 |
| Earnings coverage of net charge-offs (x) | 92.8939% | 416 |
| Efficiency ratio | 64.8129% | 4,737 |
| Assets per employee ($millions) | 4.2351% | 3,483 |
| Cash dividends to net income (ytd only)* | 42.6318% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 4,362 |
| Loan loss allowance to noncurrent loans | 976.9231% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 6,305 |
| Noncurrent loans to loans | 0.1390% | 6,136 |
| Net loans and leases to total assets | 72.6016% | 1,404 |
| Net loans and leases to deposits | 86.7531% | 1,410 |
| Net loans and leases to core deposits | 95.3876% | 1,354 |
| Total domestic deposits to total assets | 83.6876% | 4,453 |
| Equity capital to assets | 10.0115% | 4,149 |
| Core capital (leverage) ratio | 9.4014% | 4,255 |
| Tier 1 risk-based capital ratio | 12.2809% | 5,609 |
| Total risk-based capital ratio | 13.5315% | 5,565 |
| Memoranda: | ||
| Average total assets | $315,434,400 | 2,036 |
| Average earning assets | $295,738,400 | 1,996 |
| Average equity | $30,721,800 | 2,210 |
| Average total loans | $219,895,400 | 1,837 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4844% | 702 |
| Cost of funding earning assets | 0.7189% | 3,606 |
| Net interest margin | 4.7655% | 593 |
| Noninterest income to average assets | 0.9970% | 1,506 |
| Noninterest expense to average assets | 3.5362% | 1,681 |
| Loan and lease loss provision to assets | 0.1513% | 3,651 |
| Net operating income to assets | 1.8012% | 566 |
| Return on assets (ROA) | 2.4295% | 218 |
| Pretax return on assets | 2.4295% | 329 |
| Return on Equity (ROE) | 25.1400% | 140 |
| Retained earnings to average equity (ytd only) | 13.0664% | 390 |
| Net charge-offs to loans | -0.0113% | 6,383 |
| Credit loss provision to net charge-offs | -1,944.4444% | 6,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4280% | 4,736 |
| Assets per employee ($millions) | 4.3904% | 3,089 |
| Cash dividends to net income (ytd only)* | 48.0256% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,708 |
| Loan loss allowance to noncurrent loans | 1,897.6744% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 6,537 |
| Noncurrent loans to loans | 0.0698% | 6,442 |
| Net loans and leases to total assets | 71.0248% | 1,719 |
| Net loans and leases to deposits | 84.2322% | 1,843 |
| Net loans and leases to core deposits | 92.6398% | 1,711 |
| Total domestic deposits to total assets | 84.3202% | 4,069 |
| Equity capital to assets | 9.1777% | 5,616 |
| Core capital (leverage) ratio | 8.5159% | 5,726 |
| Tier 1 risk-based capital ratio | 11.7809% | 6,067 |
| Total risk-based capital ratio | 13.0319% | 6,050 |
| Memoranda: | ||
| Average total assets | $308,531,750 | 2,110 |
| Average earning assets | $290,807,000 | 2,055 |
| Average equity | $29,816,250 | 2,277 |
| Average total loans | $211,748,000 | 1,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4905% | 734 |
| Cost of funding earning assets | 0.7352% | 3,722 |
| Net interest margin | 4.7553% | 608 |
| Noninterest income to average assets | 0.8694% | 1,889 |
| Noninterest expense to average assets | 3.5165% | 1,745 |
| Loan and lease loss provision to assets | 0.0673% | 4,789 |
| Net operating income to assets | 1.7509% | 614 |
| Return on assets (ROA) | 2.5435% | 185 |
| Pretax return on assets | 2.5435% | 284 |
| Return on Equity (ROE) | 25.8208% | 137 |
| Retained earnings to average equity (ytd only) | 13.5252% | 387 |
| Net charge-offs to loans | -0.0190% | 6,419 |
| Credit loss provision to net charge-offs | -526.3158% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9183% | 4,546 |
| Assets per employee ($millions) | 4.0322% | 3,813 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3661% | 4,589 |
| Loan loss allowance to noncurrent loans | 327.8564% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 5,955 |
| Noncurrent loans to loans | 0.4167% | 5,699 |
| Net loans and leases to total assets | 68.2910% | 2,239 |
| Net loans and leases to deposits | 80.1032% | 2,367 |
| Net loans and leases to core deposits | 88.5564% | 2,141 |
| Total domestic deposits to total assets | 85.2538% | 3,737 |
| Equity capital to assets | 9.4954% | 5,069 |
| Core capital (leverage) ratio | 9.2650% | 4,505 |
| Tier 1 risk-based capital ratio | 13.1633% | 5,067 |
| Total risk-based capital ratio | 14.4152% | 5,043 |
| Memoranda: | ||
| Average total assets | $297,226,330 | 2,172 |
| Average earning assets | $279,098,670 | 2,128 |
| Average equity | $29,278,670 | 2,302 |
| Average total loans | $200,168,330 | 2,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 636 |
| Cost of funding earning assets | 0.7428% | 3,919 |
| Net interest margin | 4.8488% | 509 |
| Noninterest income to average assets | 0.9841% | 1,470 |
| Noninterest expense to average assets | 3.5845% | 1,593 |
| Loan and lease loss provision to assets | 0.1396% | 3,610 |
| Net operating income to assets | 1.7978% | 598 |
| Return on assets (ROA) | 3.1909% | 105 |
| Pretax return on assets | 3.1909% | 158 |
| Return on Equity (ROE) | 31.7561% | 89 |
| Retained earnings to average equity (ytd only) | 19.2537% | 210 |
| Net charge-offs to loans | -0.0758% | 6,696 |
| Credit loss provision to net charge-offs | -277.7778% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9141% | 4,760 |
| Assets per employee ($millions) | 4.1588% | 3,668 |
| Cash dividends to net income (ytd only)* | 39.3701% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 3,822 |
| Loan loss allowance to noncurrent loans | 1,377.7273% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 6,613 |
| Noncurrent loans to loans | 0.1144% | 6,470 |
| Net loans and leases to total assets | 61.4900% | 3,355 |
| Net loans and leases to deposits | 72.3116% | 3,383 |
| Net loans and leases to core deposits | 80.1551% | 3,054 |
| Total domestic deposits to total assets | 85.0349% | 4,019 |
| Equity capital to assets | 9.6306% | 4,612 |
| Core capital (leverage) ratio | 9.8437% | 3,578 |
| Tier 1 risk-based capital ratio | 13.8324% | 4,586 |
| Total risk-based capital ratio | 15.0857% | 4,559 |
| Memoranda: | ||
| Average total assets | $286,567,500 | 2,270 |
| Average earning assets | $268,188,500 | 2,219 |
| Average equity | $28,794,500 | 2,336 |
| Average total loans | $189,977,500 | 2,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2097% | 295 |
| Cost of funding earning assets | 0.8716% | 4,315 |
| Net interest margin | 5.3381% | 226 |
| Noninterest income to average assets | 0.9153% | 1,623 |
| Noninterest expense to average assets | 3.7215% | 1,496 |
| Loan and lease loss provision to assets | 0.4467% | 2,368 |
| Net operating income to assets | 1.8102% | 452 |
| Return on assets (ROA) | 1.8926% | 417 |
| Pretax return on assets | 1.8926% | 673 |
| Return on Equity (ROE) | 21.1387% | 216 |
| Retained earnings to average equity (ytd only) | 11.6147% | 335 |
| Net charge-offs to loans | 0.3472% | 3,661 |
| Credit loss provision to net charge-offs | 174.8808% | 1,506 |
| Earnings coverage of net charge-offs (x) | 8.8362% | 2,082 |
| Efficiency ratio | 62.2020% | 5,427 |
| Assets per employee ($millions) | 3.7378% | 4,469 |
| Cash dividends to net income (ytd only)* | 45.0547% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 3,819 |
| Loan loss allowance to noncurrent loans | 1,206.2500% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 6,673 |
| Noncurrent loans to loans | 0.1279% | 6,486 |
| Net loans and leases to total assets | 69.6322% | 2,105 |
| Net loans and leases to deposits | 83.5525% | 1,977 |
| Net loans and leases to core deposits | 90.7584% | 2,015 |
| Total domestic deposits to total assets | 83.3394% | 4,610 |
| Equity capital to assets | 10.5322% | 3,498 |
| Core capital (leverage) ratio | 9.9339% | 3,418 |
| Tier 1 risk-based capital ratio | 14.2777% | 4,126 |
| Total risk-based capital ratio | 15.5318% | 4,088 |
| Memoranda: | ||
| Average total assets | $246,268,800 | 2,567 |
| Average earning assets | $233,585,400 | 2,465 |
| Average equity | $22,049,600 | 2,888 |
| Average total loans | $181,139,200 | 2,229 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 296 |
| Cost of funding earning assets | 0.9072% | 4,348 |
| Net interest margin | 5.3380% | 229 |
| Noninterest income to average assets | 0.9154% | 1,596 |
| Noninterest expense to average assets | 3.6925% | 1,512 |
| Loan and lease loss provision to assets | 0.4969% | 2,000 |
| Net operating income to assets | 1.8004% | 518 |
| Return on assets (ROA) | 1.8490% | 507 |
| Pretax return on assets | 1.8490% | 860 |
| Return on Equity (ROE) | 21.7030% | 231 |
| Retained earnings to average equity (ytd only) | 12.3064% | 464 |
| Net charge-offs to loans | 0.4330% | 2,987 |
| Credit loss provision to net charge-offs | 154.3739% | 2,011 |
| Earnings coverage of net charge-offs (x) | 7.1373% | 2,416 |
| Efficiency ratio | 61.5817% | 5,477 |
| Assets per employee ($millions) | 4.0816% | 3,672 |
| Cash dividends to net income (ytd only)* | 43.2966% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 4,319 |
| Loan loss allowance to noncurrent loans | 1,088.0952% | 338 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 6,752 |
| Noncurrent loans to loans | 0.1336% | 6,602 |
| Net loans and leases to total assets | 70.0375% | 2,074 |
| Net loans and leases to deposits | 83.8948% | 2,022 |
| Net loans and leases to core deposits | 91.5618% | 2,047 |
| Total domestic deposits to total assets | 83.4826% | 4,486 |
| Equity capital to assets | 10.2378% | 4,034 |
| Core capital (leverage) ratio | 10.4114% | 2,982 |
| Tier 1 risk-based capital ratio | 13.6016% | 4,649 |
| Total risk-based capital ratio | 14.8542% | 4,619 |
| Memoranda: | ||
| Average total assets | $241,489,500 | 2,631 |
| Average earning assets | $229,566,250 | 2,518 |
| Average equity | $20,574,250 | 3,065 |
| Average total loans | $179,501,750 | 2,274 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2674% | 290 |
| Cost of funding earning assets | 0.9535% | 4,287 |
| Net interest margin | 5.3140% | 240 |
| Noninterest income to average assets | 0.8829% | 1,705 |
| Noninterest expense to average assets | 3.6874% | 1,554 |
| Loan and lease loss provision to assets | 0.4282% | 2,287 |
| Net operating income to assets | 1.8454% | 453 |
| Return on assets (ROA) | 1.8454% | 480 |
| Pretax return on assets | 1.8454% | 801 |
| Return on Equity (ROE) | 23.4511% | 182 |
| Retained earnings to average equity (ytd only) | 12.5689% | 445 |
| Net charge-offs to loans | 0.4114% | 2,907 |
| Credit loss provision to net charge-offs | 137.7410% | 2,216 |
| Earnings coverage of net charge-offs (x) | 7.3140% | 2,246 |
| Efficiency ratio | 61.7584% | 5,621 |
| Assets per employee ($millions) | 3.8152% | 4,163 |
| Cash dividends to net income (ytd only)* | 46.4037% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,522 |
| Loan loss allowance to noncurrent loans | 284.2397% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3746% | 6,192 |
| Noncurrent loans to loans | 0.4961% | 5,912 |
| Net loans and leases to total assets | 72.2046% | 1,750 |
| Net loans and leases to deposits | 84.7784% | 1,979 |
| Net loans and leases to core deposits | 90.3047% | 2,335 |
| Total domestic deposits to total assets | 85.1686% | 3,804 |
| Equity capital to assets | 8.0069% | 6,679 |
| Core capital (leverage) ratio | 8.0559% | 6,228 |
| Tier 1 risk-based capital ratio | 10.7171% | 6,705 |
| Total risk-based capital ratio | 11.9699% | 6,687 |
| Memoranda: | ||
| Average total assets | $233,552,000 | 2,722 |
| Average earning assets | $223,185,330 | 2,606 |
| Average equity | $18,378,670 | 3,355 |
| Average total loans | $176,484,670 | 2,327 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3251% | 270 |
| Cost of funding earning assets | 0.9572% | 4,512 |
| Net interest margin | 5.3680% | 199 |
| Noninterest income to average assets | 0.9526% | 1,457 |
| Noninterest expense to average assets | 3.7838% | 1,364 |
| Loan and lease loss provision to assets | 0.4418% | 1,995 |
| Net operating income to assets | 1.8610% | 434 |
| Return on assets (ROA) | 1.8610% | 456 |
| Pretax return on assets | 1.8610% | 725 |
| Return on Equity (ROE) | 23.8776% | 189 |
| Retained earnings to average equity (ytd only) | 10.2721% | 1,054 |
| Net charge-offs to loans | 0.0529% | 4,409 |
| Credit loss provision to net charge-offs | 1,086.9565% | 354 |
| Earnings coverage of net charge-offs (x) | 56.6522% | 520 |
| Efficiency ratio | 61.9628% | 5,686 |
| Assets per employee ($millions) | 3.7857% | 4,333 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4901% | 4,259 |
| Loan loss allowance to noncurrent loans | 122.5046% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.9047% | 5,093 |
| Noncurrent loans to loans | 1.2164% | 4,650 |
| Net loans and leases to total assets | 72.3352% | 1,648 |
| Net loans and leases to deposits | 85.2653% | 1,840 |
| Net loans and leases to core deposits | 92.7521% | 2,041 |
| Total domestic deposits to total assets | 84.8355% | 4,117 |
| Equity capital to assets | 7.3868% | 6,931 |
| Core capital (leverage) ratio | 7.9880% | 6,272 |
| Tier 1 risk-based capital ratio | 10.2682% | 6,906 |
| Total risk-based capital ratio | 11.5220% | 6,896 |
| Memoranda: | ||
| Average total assets | $226,334,500 | 2,804 |
| Average earning assets | $216,469,500 | 2,706 |
| Average equity | $17,640,000 | 3,465 |
| Average total loans | $173,917,500 | 2,375 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5271% | 305 |
| Cost of funding earning assets | 1.2099% | 4,500 |
| Net interest margin | 5.3172% | 236 |
| Noninterest income to average assets | 0.9338% | 1,731 |
| Noninterest expense to average assets | 3.8251% | 1,443 |
| Loan and lease loss provision to assets | 0.4838% | 3,240 |
| Net operating income to assets | 1.6404% | 581 |
| Return on assets (ROA) | 1.8468% | 407 |
| Pretax return on assets | 1.8468% | 689 |
| Return on Equity (ROE) | 21.0437% | 198 |
| Retained earnings to average equity (ytd only) | 9.8773% | 547 |
| Net charge-offs to loans | 0.2366% | 4,866 |
| Credit loss provision to net charge-offs | 276.2040% | 984 |
| Earnings coverage of net charge-offs (x) | 12.1275% | 1,541 |
| Efficiency ratio | 64.0534% | 5,348 |
| Assets per employee ($millions) | 3.6273% | 4,639 |
| Cash dividends to net income (ytd only)* | 53.0629% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4265% | 4,391 |
| Loan loss allowance to noncurrent loans | 589.7810% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 6,706 |
| Noncurrent loans to loans | 0.2419% | 6,577 |
| Net loans and leases to total assets | 79.6175% | 713 |
| Net loans and leases to deposits | 93.5249% | 1,101 |
| Net loans and leases to core deposits | 100.6768% | 1,559 |
| Total domestic deposits to total assets | 85.1297% | 3,784 |
| Equity capital to assets | 8.2624% | 6,190 |
| Core capital (leverage) ratio | 8.2267% | 5,791 |
| Tier 1 risk-based capital ratio | 10.9082% | 6,404 |
| Total risk-based capital ratio | 12.1618% | 6,372 |
| Memoranda: | ||
| Average total assets | $201,537,200 | 3,082 |
| Average earning assets | $190,100,000 | 3,004 |
| Average equity | $17,687,000 | 3,474 |
| Average total loans | $149,212,400 | 2,791 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5910% | 291 |
| Cost of funding earning assets | 1.2766% | 4,392 |
| Net interest margin | 5.3144% | 234 |
| Noninterest income to average assets | 1.0241% | 1,399 |
| Noninterest expense to average assets | 3.7251% | 1,519 |
| Loan and lease loss provision to assets | 0.5518% | 2,738 |
| Net operating income to assets | 1.7425% | 573 |
| Return on assets (ROA) | 2.0208% | 352 |
| Pretax return on assets | 2.0208% | 595 |
| Return on Equity (ROE) | 22.6758% | 171 |
| Retained earnings to average equity (ytd only) | 12.3550% | 419 |
| Net charge-offs to loans | 0.2888% | 4,214 |
| Credit loss provision to net charge-offs | 264.4231% | 1,247 |
| Earnings coverage of net charge-offs (x) | 10.9936% | 1,834 |
| Efficiency ratio | 61.6402% | 5,679 |
| Assets per employee ($millions) | 3.8681% | 4,102 |
| Cash dividends to net income (ytd only)* | 45.5148% | 1,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 4,136 |
| Loan loss allowance to noncurrent loans | 1,081.7757% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.1278% | 7,038 |
| Noncurrent loans to loans | 0.1353% | 6,907 |
| Net loans and leases to total assets | 74.5987% | 1,665 |
| Net loans and leases to deposits | 88.5798% | 1,929 |
| Net loans and leases to core deposits | 96.6679% | 2,185 |
| Total domestic deposits to total assets | 84.2164% | 3,998 |
| Equity capital to assets | 8.9613% | 5,633 |
| Core capital (leverage) ratio | 8.3609% | 5,771 |
| Tier 1 risk-based capital ratio | 11.8234% | 5,619 |
| Total risk-based capital ratio | 13.0775% | 5,595 |
| Memoranda: | ||
| Average total assets | $199,325,000 | 3,148 |
| Average earning assets | $187,360,750 | 3,081 |
| Average equity | $17,763,000 | 3,515 |
| Average total loans | $144,033,500 | 2,907 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6704% | 260 |
| Cost of funding earning assets | 1.3561% | 4,157 |
| Net interest margin | 5.3144% | 241 |
| Noninterest income to average assets | 1.2389% | 846 |
| Noninterest expense to average assets | 3.7167% | 1,525 |
| Loan and lease loss provision to assets | 0.5863% | 2,433 |
| Net operating income to assets | 1.9190% | 382 |
| Return on assets (ROA) | 2.0240% | 347 |
| Pretax return on assets | 2.0240% | 574 |
| Return on Equity (ROE) | 22.7577% | 185 |
| Retained earnings to average equity (ytd only) | 9.2865% | 1,020 |
| Net charge-offs to loans | 0.3301% | 3,671 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 10.6826% | 1,857 |
| Efficiency ratio | 59.5051% | 6,144 |
| Assets per employee ($millions) | 3.6953% | 4,483 |
| Cash dividends to net income (ytd only)* | 59.1940% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4812% | 4,009 |
| Loan loss allowance to noncurrent loans | 1,084.3434% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 5,628 |
| Noncurrent loans to loans | 0.1366% | 6,986 |
| Net loans and leases to total assets | 69.0083% | 3,129 |
| Net loans and leases to deposits | 81.7863% | 3,302 |
| Net loans and leases to core deposits | 90.0994% | 3,240 |
| Total domestic deposits to total assets | 84.3763% | 3,923 |
| Equity capital to assets | 8.6094% | 5,996 |
| Core capital (leverage) ratio | 8.0462% | 6,203 |
| Tier 1 risk-based capital ratio | 11.7412% | 5,550 |
| Total risk-based capital ratio | 12.9950% | 5,507 |
| Memoranda: | ||
| Average total assets | $196,141,670 | 3,213 |
| Average earning assets | $183,916,330 | 3,151 |
| Average equity | $17,444,670 | 3,558 |
| Average total loans | $139,333,670 | 3,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3885% | 445 |
| Cost of funding earning assets | 1.3892% | 4,247 |
| Net interest margin | 4.9993% | 414 |
| Noninterest income to average assets | 0.7528% | 2,283 |
| Noninterest expense to average assets | 3.6195% | 1,693 |
| Loan and lease loss provision to assets | 0.4718% | 2,611 |
| Net operating income to assets | 1.3631% | 1,157 |
| Return on assets (ROA) | 1.3631% | 1,227 |
| Pretax return on assets | 1.3631% | 1,872 |
| Return on Equity (ROE) | 15.0646% | 861 |
| Retained earnings to average equity (ytd only) | 10.4293% | 1,060 |
| Net charge-offs to loans | 0.1875% | 3,799 |
| Credit loss provision to net charge-offs | 351.5625% | 1,152 |
| Earnings coverage of net charge-offs (x) | 13.6719% | 1,480 |
| Efficiency ratio | 66.0900% | 5,098 |
| Assets per employee ($millions) | 3.8549% | 4,191 |
| Cash dividends to net income (ytd only)* | 30.7692% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,261 |
| Loan loss allowance to noncurrent loans | 81.0487% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 4,757 |
| Noncurrent loans to loans | 1.7652% | 4,102 |
| Net loans and leases to total assets | 67.4682% | 3,512 |
| Net loans and leases to deposits | 81.2106% | 3,426 |
| Net loans and leases to core deposits | 90.2451% | 3,334 |
| Total domestic deposits to total assets | 83.0781% | 4,583 |
| Equity capital to assets | 8.7286% | 5,692 |
| Core capital (leverage) ratio | 8.6701% | 5,070 |
| Tier 1 risk-based capital ratio | 12.6487% | 4,601 |
| Total risk-based capital ratio | 13.9028% | 4,566 |
| Memoranda: | ||
| Average total assets | $190,744,500 | 3,357 |
| Average earning assets | $179,383,500 | 3,258 |
| Average equity | $17,259,000 | 3,611 |
| Average total loans | $136,525,500 | 3,137 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0109% | 277 |
| Cost of funding earning assets | 1.7191% | 4,412 |
| Net interest margin | 5.2918% | 246 |
| Noninterest income to average assets | 0.5237% | 4,227 |
| Noninterest expense to average assets | 3.6644% | 1,994 |
| Loan and lease loss provision to assets | 0.5305% | 3,722 |
| Net operating income to assets | 1.3545% | 933 |
| Return on assets (ROA) | 1.8331% | 341 |
| Pretax return on assets | 1.8331% | 588 |
| Return on Equity (ROE) | 19.1170% | 297 |
| Retained earnings to average equity (ytd only) | 10.4333% | 328 |
| Net charge-offs to loans | 0.1787% | 5,524 |
| Credit loss provision to net charge-offs | 383.9286% | 829 |
| Earnings coverage of net charge-offs (x) | 13.6429% | 1,413 |
| Efficiency ratio | 65.7108% | 5,454 |
| Assets per employee ($millions) | 3.7715% | 4,349 |
| Cash dividends to net income (ytd only)* | 45.4240% | 2,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,614 |
| Loan loss allowance to noncurrent loans | 995.5801% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 7,170 |
| Noncurrent loans to loans | 0.1332% | 7,099 |
| Net loans and leases to total assets | 74.0429% | 2,266 |
| Net loans and leases to deposits | 90.7584% | 2,086 |
| Net loans and leases to core deposits | 126.1584% | 1,502 |
| Total domestic deposits to total assets | 81.5824% | 5,117 |
| Equity capital to assets | 9.4022% | 4,550 |
| Core capital (leverage) ratio | 8.3561% | 5,527 |
| Tier 1 risk-based capital ratio | 12.4022% | 4,592 |
| Total risk-based capital ratio | 13.6546% | 4,557 |
| Memoranda: | ||
| Average total assets | $162,125,400 | 3,726 |
| Average earning assets | $153,973,800 | 3,639 |
| Average equity | $15,546,400 | 3,957 |
| Average total loans | $125,356,400 | 3,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8919% | 356 |
| Cost of funding earning assets | 1.7736% | 4,507 |
| Net interest margin | 5.1183% | 351 |
| Noninterest income to average assets | 0.5252% | 4,279 |
| Noninterest expense to average assets | 3.5611% | 2,118 |
| Loan and lease loss provision to assets | 0.5252% | 3,284 |
| Net operating income to assets | 1.3011% | 1,209 |
| Return on assets (ROA) | 1.6552% | 651 |
| Pretax return on assets | 1.6552% | 1,057 |
| Return on Equity (ROE) | 17.1651% | 535 |
| Retained earnings to average equity (ytd only) | 10.5766% | 538 |
| Net charge-offs to loans | 0.2183% | 4,667 |
| Credit loss provision to net charge-offs | 308.4577% | 1,336 |
| Earnings coverage of net charge-offs (x) | 10.7265% | 1,931 |
| Efficiency ratio | 65.7704% | 5,407 |
| Assets per employee ($millions) | 3.9356% | 3,858 |
| Cash dividends to net income (ytd only)* | 38.3830% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2174% | 5,016 |
| Loan loss allowance to noncurrent loans | 249.6063% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3740% | 6,539 |
| Noncurrent loans to loans | 0.4877% | 6,343 |
| Net loans and leases to total assets | 71.0416% | 3,261 |
| Net loans and leases to deposits | 87.5157% | 3,054 |
| Net loans and leases to core deposits | 116.6315% | 2,559 |
| Total domestic deposits to total assets | 81.1759% | 5,007 |
| Equity capital to assets | 9.6764% | 4,524 |
| Core capital (leverage) ratio | 8.8327% | 4,926 |
| Tier 1 risk-based capital ratio | 12.4050% | 4,623 |
| Total risk-based capital ratio | 13.6560% | 4,567 |
| Memoranda: | ||
| Average total assets | $157,398,500 | 3,845 |
| Average earning assets | $149,524,250 | 3,734 |
| Average equity | $15,177,750 | 4,064 |
| Average total loans | $122,734,500 | 3,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0409% | 298 |
| Cost of funding earning assets | 1.8748% | 4,396 |
| Net interest margin | 5.1662% | 314 |
| Noninterest income to average assets | 0.4922% | 4,513 |
| Noninterest expense to average assets | 3.6330% | 1,992 |
| Loan and lease loss provision to assets | 0.6287% | 2,547 |
| Net operating income to assets | 1.1330% | 1,654 |
| Return on assets (ROA) | 1.6921% | 629 |
| Pretax return on assets | 1.6921% | 1,034 |
| Return on Equity (ROE) | 17.5723% | 529 |
| Retained earnings to average equity (ytd only) | 9.9322% | 752 |
| Net charge-offs to loans | 0.2096% | 4,201 |
| Credit loss provision to net charge-offs | 373.0159% | 1,245 |
| Earnings coverage of net charge-offs (x) | 10.4524% | 1,994 |
| Efficiency ratio | 66.9973% | 5,363 |
| Assets per employee ($millions) | 3.6905% | 4,351 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 5,007 |
| Loan loss allowance to noncurrent loans | 1,961.0390% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 7,397 |
| Noncurrent loans to loans | 0.0608% | 7,377 |
| Net loans and leases to total assets | 77.1015% | 1,930 |
| Net loans and leases to deposits | 96.6691% | 1,705 |
| Net loans and leases to core deposits | 135.1734% | 1,255 |
| Total domestic deposits to total assets | 79.7582% | 5,549 |
| Equity capital to assets | 10.0855% | 3,832 |
| Core capital (leverage) ratio | 9.5332% | 3,836 |
| Tier 1 risk-based capital ratio | 12.8179% | 4,273 |
| Total risk-based capital ratio | 14.0688% | 4,190 |
| Memoranda: | ||
| Average total assets | $149,518,330 | 3,997 |
| Average earning assets | $141,884,670 | 3,906 |
| Average equity | $14,397,670 | 4,216 |
| Average total loans | $120,246,670 | 3,528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1757% | 259 |
| Cost of funding earning assets | 1.9755% | 4,258 |
| Net interest margin | 5.2002% | 279 |
| Noninterest income to average assets | 0.4305% | 4,957 |
| Noninterest expense to average assets | 3.4888% | 2,131 |
| Loan and lease loss provision to assets | 1.0343% | 1,267 |
| Net operating income to assets | 0.8303% | 2,996 |
| Return on assets (ROA) | 1.8730% | 509 |
| Pretax return on assets | 1.8730% | 854 |
| Return on Equity (ROE) | 19.9881% | 422 |
| Retained earnings to average equity (ytd only) | 3.5800% | 3,903 |
| Net charge-offs to loans | 0.3453% | 2,703 |
| Credit loss provision to net charge-offs | 366.3366% | 1,393 |
| Earnings coverage of net charge-offs (x) | 6.6040% | 2,472 |
| Efficiency ratio | 64.8042% | 5,543 |
| Assets per employee ($millions) | 3.6641% | 4,418 |
| Cash dividends to net income (ytd only)* | 82.0896% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 4,793 |
| Loan loss allowance to noncurrent loans | 1,576.9231% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 7,323 |
| Noncurrent loans to loans | 0.0762% | 7,307 |
| Net loans and leases to total assets | 78.5100% | 1,694 |
| Net loans and leases to deposits | 97.7961% | 1,697 |
| Net loans and leases to core deposits | 133.9633% | 1,416 |
| Total domestic deposits to total assets | 80.2793% | 5,248 |
| Equity capital to assets | 8.8432% | 5,559 |
| Core capital (leverage) ratio | 8.0875% | 6,317 |
| Tier 1 risk-based capital ratio | 9.6565% | 7,290 |
| Total risk-based capital ratio | 10.8811% | 7,243 |
| Memoranda: | ||
| Average total assets | $143,086,500 | 4,125 |
| Average earning assets | $135,456,500 | 4,043 |
| Average equity | $13,408,000 | 4,475 |
| Average total loans | $117,015,500 | 3,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5733% | 356 |
| Cost of funding earning assets | 2.5719% | 3,837 |
| Net interest margin | 5.0014% | 507 |
| Noninterest income to average assets | 0.5395% | 4,327 |
| Noninterest expense to average assets | 3.5490% | 2,272 |
| Loan and lease loss provision to assets | 0.6662% | 2,178 |
| Net operating income to assets | 1.0356% | 2,416 |
| Return on assets (ROA) | 1.2506% | 1,573 |
| Pretax return on assets | 1.2506% | 2,479 |
| Return on Equity (ROE) | 12.8375% | 1,373 |
| Retained earnings to average equity (ytd only) | 12.8375% | 176 |
| Net charge-offs to loans | 0.2922% | 3,446 |
| Credit loss provision to net charge-offs | 294.2238% | 1,539 |
| Earnings coverage of net charge-offs (x) | 7.5162% | 3,092 |
| Efficiency ratio | 67.1389% | 4,886 |
| Assets per employee ($millions) | 3.6742% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0170% | 5,872 |
| Loan loss allowance to noncurrent loans | 102.6408% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8356% | 4,759 |
| Noncurrent loans to loans | 0.9908% | 4,614 |
| Net loans and leases to total assets | 83.4793% | 964 |
| Net loans and leases to deposits | 105.0631% | 1,225 |
| Net loans and leases to core deposits | 143.2072% | 1,127 |
| Total domestic deposits to total assets | 79.4564% | 5,222 |
| Equity capital to assets | 9.9533% | 4,095 |
| Core capital (leverage) ratio | 8.2164% | 6,134 |
| Tier 1 risk-based capital ratio | 10.2325% | 6,485 |
| Total risk-based capital ratio | 11.2990% | 6,563 |
| Memoranda: | ||
| Average total assets | $122,343,200 | 4,463 |
| Average earning assets | $115,247,600 | 4,376 |
| Average equity | $11,918,200 | 4,848 |
| Average total loans | $94,804,000 | 4,085 |