Home > LCNB National Bank > Performance and Condition Ratios
LCNB National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 3,190 |
| Cost of funding earning assets | 1.2528% | 2,650 |
| Net interest margin | 3.1961% | 2,884 |
| Noninterest income to average assets | 0.8600% | 824 |
| Noninterest expense to average assets | 2.6698% | 1,821 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.7640% | 2,999 |
| Return on assets (ROA) | 0.7663% | 2,967 |
| Pretax return on assets | 0.9334% | 2,866 |
| Return on Equity (ROE) | 7.0400% | 3,269 |
| Retained earnings to average equity (ytd only) | -6.2136% | 4,416 |
| Net charge-offs to loans | 0.0125% | 2,183 |
| Credit loss provision to net charge-offs | 1,283.7838% | 330 |
| Earnings coverage of net charge-offs (x) | 112.3351% | 850 |
| Efficiency ratio | 71.3695% | 1,721 |
| Assets per employee ($millions) | 6.3568% | 2,510 |
| Cash dividends to net income (ytd only)* | 188.2750% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6107% | 4,228 |
| Loan loss allowance to noncurrent loans | 5,980.1136% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 3,743 |
| Noncurrent loans to loans | 0.0102% | 3,691 |
| Net loans and leases to total assets | 74.8500% | 1,256 |
| Net loans and leases to deposits | 93.7697% | 956 |
| Net loans and leases to core deposits | 96.0932% | 1,649 |
| Total domestic deposits to total assets | 79.8300% | 3,489 |
| Equity capital to assets | 10.5981% | 1,680 |
| Core capital (leverage) ratio | 8.0532% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7540% | 2,846 |
| Memoranda: | ||
| Average total assets | $2,009,974,200 | 572 |
| Average earning assets | $1,787,604,400 | 577 |
| Average equity | $218,825,800 | 502 |
| Average total loans | $1,483,446,800 | 516 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3355% | 3,225 |
| Cost of funding earning assets | 1.0752% | 2,811 |
| Net interest margin | 3.2602% | 2,777 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 2.5279% | 2,143 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 1.0102% | 2,340 |
| Return on assets (ROA) | 1.0093% | 2,326 |
| Pretax return on assets | 1.2395% | 2,201 |
| Return on Equity (ROE) | 9.2000% | 2,871 |
| Retained earnings to average equity (ytd only) | -0.1015% | 4,163 |
| Net charge-offs to loans | 0.0078% | 2,126 |
| Credit loss provision to net charge-offs | 208.4337% | 1,095 |
| Earnings coverage of net charge-offs (x) | 215.8313% | 566 |
| Efficiency ratio | 66.6374% | 2,197 |
| Assets per employee ($millions) | 6.1617% | 2,607 |
| Cash dividends to net income (ytd only)* | 101.1029% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 4,321 |
| Loan loss allowance to noncurrent loans | 3,015.9696% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,710 |
| Noncurrent loans to loans | 0.0180% | 3,648 |
| Net loans and leases to total assets | 73.3300% | 1,429 |
| Net loans and leases to deposits | 89.6833% | 1,256 |
| Net loans and leases to core deposits | 91.6678% | 1,819 |
| Total domestic deposits to total assets | 81.7700% | 3,257 |
| Equity capital to assets | 10.6275% | 1,501 |
| Core capital (leverage) ratio | 9.3176% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2471% | 2,529 |
| Memoranda: | ||
| Average total assets | $1,940,359,750 | 590 |
| Average earning assets | $1,729,356,500 | 601 |
| Average equity | $212,899,750 | 512 |
| Average total loans | $1,423,440,750 | 537 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 3,179 |
| Cost of funding earning assets | 0.9370% | 2,812 |
| Net interest margin | 3.3221% | 2,705 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.5689% | 2,004 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0341% | 2,305 |
| Return on assets (ROA) | 1.0354% | 2,297 |
| Pretax return on assets | 1.2709% | 2,159 |
| Return on Equity (ROE) | 9.3400% | 2,876 |
| Retained earnings to average equity (ytd only) | -1.2816% | 4,238 |
| Net charge-offs to loans | 0.0071% | 1,973 |
| Credit loss provision to net charge-offs | 328.0000% | 816 |
| Earnings coverage of net charge-offs (x) | 244.1600% | 516 |
| Efficiency ratio | 66.3754% | 2,185 |
| Assets per employee ($millions) | 6.4045% | 2,377 |
| Cash dividends to net income (ytd only)* | 113.7275% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5528% | 4,342 |
| Loan loss allowance to noncurrent loans | 1,120.5634% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,419 |
| Noncurrent loans to loans | 0.0493% | 3,358 |
| Net loans and leases to total assets | 73.5100% | 1,346 |
| Net loans and leases to deposits | 89.6268% | 1,216 |
| Net loans and leases to core deposits | 91.3819% | 1,718 |
| Total domestic deposits to total assets | 82.0200% | 3,230 |
| Equity capital to assets | 10.8857% | 1,433 |
| Core capital (leverage) ratio | 9.4756% | 3,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2051% | 2,571 |
| Memoranda: | ||
| Average total assets | $1,927,841,667 | 579 |
| Average earning assets | $1,717,813,667 | 594 |
| Average equity | $213,799,000 | 501 |
| Average total loans | $1,411,786,333 | 529 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 3,074 |
| Cost of funding earning assets | 0.8698% | 2,472 |
| Net interest margin | 3.3156% | 2,841 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 2.5717% | 2,042 |
| Loan and lease loss provision to assets | -0.0100% | 4,432 |
| Net operating income to assets | 1.0018% | 2,516 |
| Return on assets (ROA) | 1.0067% | 2,474 |
| Pretax return on assets | 1.2324% | 2,346 |
| Return on Equity (ROE) | 8.9900% | 3,052 |
| Retained earnings to average equity (ytd only) | 0.6110% | 3,924 |
| Net charge-offs to loans | 0.0049% | 1,790 |
| Credit loss provision to net charge-offs | 188.2353% | 850 |
| Earnings coverage of net charge-offs (x) | 342.5882% | 328 |
| Efficiency ratio | 67.3129% | 2,061 |
| Assets per employee ($millions) | 6.2384% | 2,547 |
| Cash dividends to net income (ytd only)* | 93.2063% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5634% | 4,393 |
| Loan loss allowance to noncurrent loans | 1,119.3732% | 901 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 3,419 |
| Noncurrent loans to loans | 0.0503% | 3,383 |
| Net loans and leases to total assets | 72.1800% | 1,404 |
| Net loans and leases to deposits | 86.4738% | 1,318 |
| Net loans and leases to core deposits | 88.0853% | 1,733 |
| Total domestic deposits to total assets | 83.4800% | 3,203 |
| Equity capital to assets | 11.2628% | 1,243 |
| Core capital (leverage) ratio | 9.5792% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5212% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,918,285,000 | 593 |
| Average earning assets | $1,710,195,500 | 608 |
| Average equity | $214,729,000 | 510 |
| Average total loans | $1,398,054,000 | 544 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 2,073 |
| Cost of funding earning assets | 0.2311% | 3,506 |
| Net interest margin | 3.6361% | 1,537 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.5405% | 1,993 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.2510% | 1,601 |
| Return on assets (ROA) | 1.2441% | 1,572 |
| Pretax return on assets | 1.5339% | 1,350 |
| Return on Equity (ROE) | 10.7900% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.0688% | 3,697 |
| Net charge-offs to loans | 0.0080% | 2,090 |
| Credit loss provision to net charge-offs | 227.2727% | 1,047 |
| Earnings coverage of net charge-offs (x) | 269.2182% | 529 |
| Efficiency ratio | 61.4111% | 2,856 |
| Assets per employee ($millions) | 6.1979% | 2,594 |
| Cash dividends to net income (ytd only)* | 71.5582% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4029% | 4,497 |
| Loan loss allowance to noncurrent loans | 1,313.0233% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,614 |
| Noncurrent loans to loans | 0.0307% | 3,563 |
| Net loans and leases to total assets | 72.8700% | 1,327 |
| Net loans and leases to deposits | 86.9073% | 1,250 |
| Net loans and leases to core deposits | 87.7482% | 1,627 |
| Total domestic deposits to total assets | 83.8500% | 3,239 |
| Equity capital to assets | 11.1246% | 1,211 |
| Core capital (leverage) ratio | 9.7241% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3091% | 2,646 |
| Memoranda: | ||
| Average total assets | $1,903,871,200 | 585 |
| Average earning assets | $1,698,394,800 | 589 |
| Average equity | $219,530,600 | 486 |
| Average total loans | $1,380,082,200 | 516 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7716% | 1,833 |
| Cost of funding earning assets | 0.2092% | 3,162 |
| Net interest margin | 3.5624% | 1,483 |
| Noninterest income to average assets | 0.8700% | 884 |
| Noninterest expense to average assets | 2.5350% | 1,907 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2107% | 1,659 |
| Return on assets (ROA) | 1.2011% | 1,664 |
| Pretax return on assets | 1.4813% | 1,466 |
| Return on Equity (ROE) | 10.3200% | 2,632 |
| Retained earnings to average equity (ytd only) | 3.1200% | 3,745 |
| Net charge-offs to loans | 0.0127% | 1,645 |
| Credit loss provision to net charge-offs | 205.3435% | 967 |
| Earnings coverage of net charge-offs (x) | 164.5725% | 709 |
| Efficiency ratio | 62.0061% | 2,822 |
| Assets per employee ($millions) | 6.0347% | 2,733 |
| Cash dividends to net income (ytd only)* | 69.7810% | 625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4100% | 4,536 |
| Loan loss allowance to noncurrent loans | 1,211.1588% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,696 |
| Noncurrent loans to loans | 0.0338% | 3,650 |
| Net loans and leases to total assets | 72.1300% | 1,280 |
| Net loans and leases to deposits | 82.6945% | 1,386 |
| Net loans and leases to core deposits | 83.4365% | 1,694 |
| Total domestic deposits to total assets | 87.2200% | 2,691 |
| Equity capital to assets | 11.0383% | 1,160 |
| Core capital (leverage) ratio | 9.5734% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3925% | 2,693 |
| Memoranda: | ||
| Average total assets | $1,901,054,250 | 583 |
| Average earning assets | $1,696,314,750 | 594 |
| Average equity | $221,150,500 | 486 |
| Average total loans | $1,374,783,250 | 512 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 1,564 |
| Cost of funding earning assets | 0.1920% | 3,024 |
| Net interest margin | 3.4973% | 1,317 |
| Noninterest income to average assets | 0.9202% | 806 |
| Noninterest expense to average assets | 2.5411% | 1,807 |
| Loan and lease loss provision to assets | 0.0448% | 1,773 |
| Net operating income to assets | 1.1818% | 1,493 |
| Return on assets (ROA) | 1.1717% | 1,508 |
| Pretax return on assets | 1.4436% | 1,326 |
| Return on Equity (ROE) | 9.9038% | 2,369 |
| Retained earnings to average equity (ytd only) | 2.8347% | 3,495 |
| Net charge-offs to loans | 0.0144% | 1,477 |
| Credit loss provision to net charge-offs | 430.3030% | 673 |
| Earnings coverage of net charge-offs (x) | 144.1010% | 665 |
| Efficiency ratio | 62.2124% | 3,018 |
| Assets per employee ($millions) | 5.9799% | 2,762 |
| Cash dividends to net income (ytd only)* | 71.3773% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4247% | 4,603 |
| Loan loss allowance to noncurrent loans | 972.1667% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 3,662 |
| Noncurrent loans to loans | 0.0437% | 3,616 |
| Net loans and leases to total assets | 71.6955% | 1,138 |
| Net loans and leases to deposits | 82.4163% | 1,217 |
| Net loans and leases to core deposits | 83.4808% | 1,482 |
| Total domestic deposits to total assets | 86.9919% | 2,942 |
| Equity capital to assets | 11.4023% | 1,064 |
| Core capital (leverage) ratio | 9.5674% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4022% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,901,099,000 | 575 |
| Average earning assets | $1,696,930,667 | 589 |
| Average equity | $224,924,000 | 481 |
| Average total loans | $1,374,148,000 | 502 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5670% | 1,600 |
| Cost of funding earning assets | 0.1867% | 2,987 |
| Net interest margin | 3.3802% | 1,352 |
| Noninterest income to average assets | 0.8395% | 953 |
| Noninterest expense to average assets | 2.5252% | 1,819 |
| Loan and lease loss provision to assets | 0.0103% | 2,139 |
| Net operating income to assets | 1.0763% | 1,601 |
| Return on assets (ROA) | 1.0644% | 1,634 |
| Pretax return on assets | 1.3069% | 1,482 |
| Return on Equity (ROE) | 8.8352% | 2,374 |
| Retained earnings to average equity (ytd only) | 2.7118% | 3,360 |
| Net charge-offs to loans | 0.0073% | 1,483 |
| Credit loss provision to net charge-offs | 196.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 252.8000% | 366 |
| Efficiency ratio | 64.7014% | 2,948 |
| Assets per employee ($millions) | 5.9805% | 2,827 |
| Cash dividends to net income (ytd only)* | 69.3069% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 4,645 |
| Loan loss allowance to noncurrent loans | 380.0687% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 3,302 |
| Noncurrent loans to loans | 0.1055% | 3,311 |
| Net loans and leases to total assets | 72.4753% | 788 |
| Net loans and leases to deposits | 83.9335% | 884 |
| Net loans and leases to core deposits | 85.1360% | 1,177 |
| Total domestic deposits to total assets | 86.3485% | 3,151 |
| Equity capital to assets | 11.7529% | 1,039 |
| Core capital (leverage) ratio | 9.5371% | 2,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4218% | 2,798 |
| Memoranda: | ||
| Average total assets | $1,897,861,500 | 581 |
| Average earning assets | $1,694,325,500 | 590 |
| Average equity | $228,632,000 | 490 |
| Average total loans | $1,374,483,500 | 501 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7361% | 2,017 |
| Cost of funding earning assets | 0.2458% | 2,980 |
| Net interest margin | 3.4903% | 1,766 |
| Noninterest income to average assets | 0.9190% | 1,156 |
| Noninterest expense to average assets | 2.6328% | 1,796 |
| Loan and lease loss provision to assets | -0.0146% | 4,192 |
| Net operating income to assets | 1.1412% | 2,142 |
| Return on assets (ROA) | 1.1540% | 2,149 |
| Pretax return on assets | 1.4227% | 1,969 |
| Return on Equity (ROE) | 9.0471% | 2,894 |
| Retained earnings to average equity (ytd only) | 2.6492% | 3,781 |
| Net charge-offs to loans | -0.0035% | 3,460 |
| Credit loss provision to net charge-offs | 584.7826% | 737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9995% | 2,565 |
| Assets per employee ($millions) | 6.1887% | 2,582 |
| Cash dividends to net income (ytd only)* | 70.7180% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4021% | 4,683 |
| Loan loss allowance to noncurrent loans | 358.2303% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,374 |
| Noncurrent loans to loans | 0.1122% | 3,363 |
| Net loans and leases to total assets | 71.7894% | 855 |
| Net loans and leases to deposits | 83.7042% | 924 |
| Net loans and leases to core deposits | 85.0150% | 1,257 |
| Total domestic deposits to total assets | 85.7656% | 2,987 |
| Equity capital to assets | 12.3401% | 1,114 |
| Core capital (leverage) ratio | 9.5827% | 2,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6377% | 2,739 |
| Memoranda: | ||
| Average total assets | $1,838,082,400 | 576 |
| Average earning assets | $1,635,759,400 | 588 |
| Average equity | $234,450,600 | 471 |
| Average total loans | $1,332,378,400 | 513 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7796% | 2,061 |
| Cost of funding earning assets | 0.2597% | 3,021 |
| Net interest margin | 3.5199% | 1,815 |
| Noninterest income to average assets | 0.9244% | 1,204 |
| Noninterest expense to average assets | 2.6321% | 1,746 |
| Loan and lease loss provision to assets | 0.0175% | 2,658 |
| Net operating income to assets | 1.1386% | 2,410 |
| Return on assets (ROA) | 1.1380% | 2,473 |
| Pretax return on assets | 1.4039% | 2,319 |
| Return on Equity (ROE) | 8.8471% | 3,154 |
| Retained earnings to average equity (ytd only) | 1.4541% | 4,319 |
| Net charge-offs to loans | 0.0140% | 1,809 |
| Credit loss provision to net charge-offs | 171.9424% | 1,283 |
| Earnings coverage of net charge-offs (x) | 139.8489% | 708 |
| Efficiency ratio | 63.5168% | 2,466 |
| Assets per employee ($millions) | 5.8392% | 2,844 |
| Cash dividends to net income (ytd only)* | 83.5637% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4349% | 4,752 |
| Loan loss allowance to noncurrent loans | 220.5905% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 3,175 |
| Noncurrent loans to loans | 0.1971% | 3,162 |
| Net loans and leases to total assets | 70.9668% | 993 |
| Net loans and leases to deposits | 83.1722% | 1,016 |
| Net loans and leases to core deposits | 84.6186% | 1,380 |
| Total domestic deposits to total assets | 85.3251% | 3,011 |
| Equity capital to assets | 12.4189% | 1,213 |
| Core capital (leverage) ratio | 9.4818% | 3,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7053% | 2,800 |
| Memoranda: | ||
| Average total assets | $1,822,623,500 | 586 |
| Average earning assets | $1,620,579,500 | 595 |
| Average equity | $234,450,500 | 474 |
| Average total loans | $1,323,111,500 | 522 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 1,919 |
| Cost of funding earning assets | 0.2772% | 3,018 |
| Net interest margin | 3.5832% | 1,627 |
| Noninterest income to average assets | 0.9140% | 1,234 |
| Noninterest expense to average assets | 2.6431% | 1,747 |
| Loan and lease loss provision to assets | -0.0074% | 4,402 |
| Net operating income to assets | 1.1834% | 2,249 |
| Return on assets (ROA) | 1.1827% | 2,319 |
| Pretax return on assets | 1.4614% | 2,132 |
| Return on Equity (ROE) | 9.0856% | 3,069 |
| Retained earnings to average equity (ytd only) | 3.5482% | 3,668 |
| Net charge-offs to loans | 0.0014% | 2,179 |
| Credit loss provision to net charge-offs | -744.4444% | 3,575 |
| Earnings coverage of net charge-offs (x) | 1,457.5556% | 79 |
| Efficiency ratio | 63.0998% | 2,554 |
| Assets per employee ($millions) | 5.5972% | 3,019 |
| Cash dividends to net income (ytd only)* | 60.9470% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4289% | 4,780 |
| Loan loss allowance to noncurrent loans | 169.2722% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,065 |
| Noncurrent loans to loans | 0.2534% | 3,033 |
| Net loans and leases to total assets | 70.8232% | 1,109 |
| Net loans and leases to deposits | 83.1652% | 1,117 |
| Net loans and leases to core deposits | 84.7947% | 1,508 |
| Total domestic deposits to total assets | 85.1597% | 3,031 |
| Equity capital to assets | 12.7265% | 1,038 |
| Core capital (leverage) ratio | 9.6940% | 2,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0989% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,803,425,000 | 583 |
| Average earning assets | $1,602,403,667 | 597 |
| Average equity | $234,766,667 | 470 |
| Average total loans | $1,317,429,000 | 529 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 1,742 |
| Cost of funding earning assets | 0.2948% | 3,052 |
| Net interest margin | 3.6385% | 1,477 |
| Noninterest income to average assets | 0.8167% | 1,543 |
| Noninterest expense to average assets | 2.5921% | 1,905 |
| Loan and lease loss provision to assets | -0.0117% | 4,585 |
| Net operating income to assets | 1.1887% | 2,192 |
| Return on assets (ROA) | 1.1869% | 2,272 |
| Pretax return on assets | 1.4621% | 2,102 |
| Return on Equity (ROE) | 9.0122% | 3,035 |
| Retained earnings to average equity (ytd only) | 6.4509% | 2,747 |
| Net charge-offs to loans | -0.0012% | 3,060 |
| Credit loss provision to net charge-offs | 1,300.0000% | 346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6564% | 2,647 |
| Assets per employee ($millions) | 5.6018% | 3,020 |
| Cash dividends to net income (ytd only)* | 28.4199% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4254% | 4,813 |
| Loan loss allowance to noncurrent loans | 168.7166% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 3,238 |
| Noncurrent loans to loans | 0.2521% | 3,197 |
| Net loans and leases to total assets | 73.2474% | 880 |
| Net loans and leases to deposits | 86.4049% | 938 |
| Net loans and leases to core deposits | 88.2873% | 1,341 |
| Total domestic deposits to total assets | 84.7723% | 3,196 |
| Equity capital to assets | 12.9164% | 939 |
| Core capital (leverage) ratio | 10.1052% | 2,437 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8946% | 2,706 |
| Memoranda: | ||
| Average total assets | $1,778,808,000 | 586 |
| Average earning assets | $1,578,114,500 | 595 |
| Average equity | $234,261,000 | 465 |
| Average total loans | $1,317,261,000 | 531 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 2,000 |
| Cost of funding earning assets | 0.5038% | 2,925 |
| Net interest margin | 3.7459% | 1,651 |
| Noninterest income to average assets | 0.9348% | 1,186 |
| Noninterest expense to average assets | 2.7358% | 2,128 |
| Loan and lease loss provision to assets | 0.1189% | 2,879 |
| Net operating income to assets | 1.1393% | 1,766 |
| Return on assets (ROA) | 1.1755% | 1,741 |
| Pretax return on assets | 1.4400% | 1,539 |
| Return on Equity (ROE) | 8.6221% | 2,544 |
| Retained earnings to average equity (ytd only) | 3.7495% | 2,951 |
| Net charge-offs to loans | 0.0255% | 2,529 |
| Credit loss provision to net charge-offs | 608.4592% | 1,092 |
| Earnings coverage of net charge-offs (x) | 77.5015% | 914 |
| Efficiency ratio | 62.9098% | 2,995 |
| Assets per employee ($millions) | 6.4068% | 1,994 |
| Cash dividends to net income (ytd only)* | 56.5128% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4408% | 4,829 |
| Loan loss allowance to noncurrent loans | 154.1028% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,224 |
| Noncurrent loans to loans | 0.2861% | 3,172 |
| Net loans and leases to total assets | 74.2375% | 991 |
| Net loans and leases to deposits | 88.6655% | 1,026 |
| Net loans and leases to core deposits | 90.8819% | 1,464 |
| Total domestic deposits to total assets | 83.7276% | 3,194 |
| Equity capital to assets | 13.4332% | 953 |
| Core capital (leverage) ratio | 10.0601% | 2,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9054% | 2,668 |
| Memoranda: | ||
| Average total assets | $1,693,491,200 | 558 |
| Average earning assets | $1,499,064,400 | 571 |
| Average equity | $230,883,400 | 449 |
| Average total loans | $1,298,171,400 | 511 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2803% | 2,161 |
| Cost of funding earning assets | 0.5482% | 2,943 |
| Net interest margin | 3.7320% | 1,830 |
| Noninterest income to average assets | 0.9102% | 1,193 |
| Noninterest expense to average assets | 2.7143% | 2,218 |
| Loan and lease loss provision to assets | 0.1717% | 2,266 |
| Net operating income to assets | 1.0874% | 2,029 |
| Return on assets (ROA) | 1.1360% | 1,983 |
| Pretax return on assets | 1.3874% | 1,777 |
| Return on Equity (ROE) | 8.3006% | 2,686 |
| Retained earnings to average equity (ytd only) | 5.6929% | 2,243 |
| Net charge-offs to loans | 0.0243% | 2,351 |
| Credit loss provision to net charge-offs | 913.5021% | 889 |
| Earnings coverage of net charge-offs (x) | 79.7975% | 926 |
| Efficiency ratio | 62.9354% | 2,925 |
| Assets per employee ($millions) | 5.4006% | 2,794 |
| Cash dividends to net income (ytd only)* | 31.4158% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4458% | 4,856 |
| Loan loss allowance to noncurrent loans | 142.1028% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 3,213 |
| Noncurrent loans to loans | 0.3137% | 3,163 |
| Net loans and leases to total assets | 77.4430% | 905 |
| Net loans and leases to deposits | 93.2281% | 991 |
| Net loans and leases to core deposits | 95.7485% | 1,475 |
| Total domestic deposits to total assets | 83.0682% | 3,132 |
| Equity capital to assets | 13.6622% | 951 |
| Core capital (leverage) ratio | 10.1250% | 2,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7174% | 2,716 |
| Memoranda: | ||
| Average total assets | $1,681,203,750 | 552 |
| Average earning assets | $1,488,344,750 | 561 |
| Average equity | $230,081,250 | 444 |
| Average total loans | $1,297,859,000 | 503 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,205 |
| Cost of funding earning assets | 0.5867% | 3,035 |
| Net interest margin | 3.8156% | 1,791 |
| Noninterest income to average assets | 0.8407% | 1,313 |
| Noninterest expense to average assets | 2.6962% | 2,395 |
| Loan and lease loss provision to assets | 0.1426% | 2,587 |
| Net operating income to assets | 1.1323% | 1,869 |
| Return on assets (ROA) | 1.2058% | 1,753 |
| Pretax return on assets | 1.4680% | 1,532 |
| Return on Equity (ROE) | 8.8053% | 2,446 |
| Retained earnings to average equity (ytd only) | 7.0533% | 1,641 |
| Net charge-offs to loans | 0.0340% | 2,055 |
| Credit loss provision to net charge-offs | 545.4128% | 1,167 |
| Earnings coverage of net charge-offs (x) | 58.1651% | 990 |
| Efficiency ratio | 62.4541% | 3,053 |
| Assets per employee ($millions) | 5.5341% | 2,604 |
| Cash dividends to net income (ytd only)* | 19.8965% | 2,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3756% | 4,919 |
| Loan loss allowance to noncurrent loans | 128.1881% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 3,424 |
| Noncurrent loans to loans | 0.2930% | 3,332 |
| Net loans and leases to total assets | 76.8066% | 1,021 |
| Net loans and leases to deposits | 92.4134% | 1,111 |
| Net loans and leases to core deposits | 95.3835% | 1,621 |
| Total domestic deposits to total assets | 83.1120% | 3,052 |
| Equity capital to assets | 13.4694% | 991 |
| Core capital (leverage) ratio | 10.2306% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4902% | 2,818 |
| Memoranda: | ||
| Average total assets | $1,667,339,000 | 549 |
| Average earning assets | $1,475,408,333 | 561 |
| Average equity | $228,317,667 | 446 |
| Average total loans | $1,283,758,667 | 502 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5754% | 2,081 |
| Cost of funding earning assets | 0.6555% | 3,145 |
| Net interest margin | 3.9200% | 1,608 |
| Noninterest income to average assets | 0.8632% | 1,138 |
| Noninterest expense to average assets | 2.7451% | 2,592 |
| Loan and lease loss provision to assets | 0.2870% | 1,081 |
| Net operating income to assets | 1.0810% | 1,902 |
| Return on assets (ROA) | 1.2297% | 1,532 |
| Pretax return on assets | 1.4765% | 1,365 |
| Return on Equity (ROE) | 8.9027% | 2,153 |
| Retained earnings to average equity (ytd only) | 8.9027% | 998 |
| Net charge-offs to loans | 0.0668% | 1,357 |
| Credit loss provision to net charge-offs | 558.5714% | 823 |
| Earnings coverage of net charge-offs (x) | 30.8381% | 1,162 |
| Efficiency ratio | 61.9349% | 3,503 |
| Assets per employee ($millions) | 5.3206% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3936% | 4,950 |
| Loan loss allowance to noncurrent loans | 174.5556% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,789 |
| Noncurrent loans to loans | 0.2255% | 3,674 |
| Net loans and leases to total assets | 77.5899% | 1,039 |
| Net loans and leases to deposits | 94.0902% | 1,069 |
| Net loans and leases to core deposits | 97.7146% | 1,663 |
| Total domestic deposits to total assets | 82.4633% | 3,274 |
| Equity capital to assets | 14.0547% | 1,037 |
| Core capital (leverage) ratio | 10.4334% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8231% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,634,923,000 | 536 |
| Average earning assets | $1,445,720,500 | 548 |
| Average equity | $225,820,000 | 449 |
| Average total loans | $1,257,919,000 | 493 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 3,057 |
| Cost of funding earning assets | 0.7369% | 2,989 |
| Net interest margin | 3.7295% | 2,735 |
| Noninterest income to average assets | 0.7995% | 1,459 |
| Noninterest expense to average assets | 2.6907% | 2,911 |
| Loan and lease loss provision to assets | 0.0127% | 3,759 |
| Net operating income to assets | 1.1550% | 2,238 |
| Return on assets (ROA) | 1.1554% | 2,331 |
| Pretax return on assets | 1.4197% | 2,085 |
| Return on Equity (ROE) | 8.6049% | 2,905 |
| Retained earnings to average equity (ytd only) | 0.5818% | 4,522 |
| Net charge-offs to loans | 0.0170% | 3,108 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | 113.1739% | 612 |
| Efficiency ratio | 63.7207% | 3,114 |
| Assets per employee ($millions) | 4.9290% | 2,672 |
| Cash dividends to net income (ytd only)* | 93.2392% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3253% | 5,029 |
| Loan loss allowance to noncurrent loans | 126.0125% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 3,632 |
| Noncurrent loans to loans | 0.2582% | 3,521 |
| Net loans and leases to total assets | 75.7392% | 1,458 |
| Net loans and leases to deposits | 91.7038% | 1,403 |
| Net loans and leases to core deposits | 95.3242% | 1,957 |
| Total domestic deposits to total assets | 82.5911% | 3,333 |
| Equity capital to assets | 13.5703% | 1,254 |
| Core capital (leverage) ratio | 10.0593% | 3,450 |
| Tier 1 risk-based capital ratio | 12.2115% | 4,237 |
| Total risk-based capital ratio | 12.5228% | 4,635 |
| Memoranda: | ||
| Average total assets | $1,636,090,600 | 520 |
| Average earning assets | $1,457,781,600 | 523 |
| Average equity | $219,677,600 | 439 |
| Average total loans | $1,221,072,400 | 488 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 3,214 |
| Cost of funding earning assets | 0.7458% | 2,987 |
| Net interest margin | 3.7019% | 2,913 |
| Noninterest income to average assets | 0.7892% | 1,448 |
| Noninterest expense to average assets | 2.6781% | 2,921 |
| Loan and lease loss provision to assets | 0.0174% | 3,566 |
| Net operating income to assets | 1.1502% | 2,362 |
| Return on assets (ROA) | 1.1513% | 2,451 |
| Pretax return on assets | 1.3991% | 2,319 |
| Return on Equity (ROE) | 8.5975% | 3,058 |
| Retained earnings to average equity (ytd only) | 0.6098% | 4,642 |
| Net charge-offs to loans | 0.0101% | 3,008 |
| Credit loss provision to net charge-offs | 231.5217% | 1,162 |
| Earnings coverage of net charge-offs (x) | 188.7447% | 458 |
| Efficiency ratio | 63.8746% | 3,028 |
| Assets per employee ($millions) | 5.2120% | 2,328 |
| Cash dividends to net income (ytd only)* | 92.9072% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3399% | 5,099 |
| Loan loss allowance to noncurrent loans | 118.2463% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 3,673 |
| Noncurrent loans to loans | 0.2875% | 3,508 |
| Net loans and leases to total assets | 74.4152% | 1,727 |
| Net loans and leases to deposits | 90.1015% | 1,684 |
| Net loans and leases to core deposits | 93.8367% | 2,193 |
| Total domestic deposits to total assets | 82.5904% | 3,283 |
| Equity capital to assets | 13.5164% | 1,355 |
| Core capital (leverage) ratio | 9.9628% | 3,675 |
| Tier 1 risk-based capital ratio | 12.3554% | 4,222 |
| Total risk-based capital ratio | 12.6810% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,636,010,000 | 521 |
| Average earning assets | $1,460,147,000 | 527 |
| Average equity | $219,080,500 | 443 |
| Average total loans | $1,215,477,750 | 492 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 3,248 |
| Cost of funding earning assets | 0.7421% | 2,936 |
| Net interest margin | 3.6871% | 2,972 |
| Noninterest income to average assets | 0.7512% | 1,521 |
| Noninterest expense to average assets | 2.6637% | 3,020 |
| Loan and lease loss provision to assets | -0.0062% | 5,111 |
| Net operating income to assets | 1.1473% | 2,336 |
| Return on assets (ROA) | 1.1496% | 2,408 |
| Pretax return on assets | 1.3978% | 2,216 |
| Return on Equity (ROE) | 8.6120% | 3,021 |
| Retained earnings to average equity (ytd only) | -0.7628% | 4,800 |
| Net charge-offs to loans | -0.0195% | 4,540 |
| Credit loss provision to net charge-offs | 43.2203% | 2,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1690% | 3,103 |
| Assets per employee ($millions) | 4.6151% | 2,987 |
| Cash dividends to net income (ytd only)* | 108.8577% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 5,152 |
| Loan loss allowance to noncurrent loans | 137.7093% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,801 |
| Noncurrent loans to loans | 0.2427% | 3,669 |
| Net loans and leases to total assets | 74.8397% | 1,748 |
| Net loans and leases to deposits | 90.2925% | 1,707 |
| Net loans and leases to core deposits | 94.2080% | 2,228 |
| Total domestic deposits to total assets | 82.8859% | 3,244 |
| Equity capital to assets | 13.3811% | 1,384 |
| Core capital (leverage) ratio | 9.9548% | 3,636 |
| Tier 1 risk-based capital ratio | 12.4386% | 4,162 |
| Total risk-based capital ratio | 12.7665% | 4,571 |
| Memoranda: | ||
| Average total assets | $1,634,090,000 | 518 |
| Average earning assets | $1,463,093,000 | 526 |
| Average equity | $218,137,670 | 445 |
| Average total loans | $1,212,006,000 | 492 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4022% | 3,218 |
| Cost of funding earning assets | 0.7391% | 2,841 |
| Net interest margin | 3.6631% | 3,035 |
| Noninterest income to average assets | 0.7250% | 1,529 |
| Noninterest expense to average assets | 2.6520% | 3,054 |
| Loan and lease loss provision to assets | -0.0257% | 5,231 |
| Net operating income to assets | 1.1394% | 2,313 |
| Return on assets (ROA) | 1.1402% | 2,360 |
| Pretax return on assets | 1.3819% | 2,149 |
| Return on Equity (ROE) | 8.5518% | 3,013 |
| Retained earnings to average equity (ytd only) | 3.4965% | 3,515 |
| Net charge-offs to loans | -0.0619% | 4,890 |
| Credit loss provision to net charge-offs | 56.4516% | 1,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6095% | 3,145 |
| Assets per employee ($millions) | 4.8501% | 2,706 |
| Cash dividends to net income (ytd only)* | 59.1144% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3418% | 5,216 |
| Loan loss allowance to noncurrent loans | 136.4869% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,813 |
| Noncurrent loans to loans | 0.2504% | 3,669 |
| Net loans and leases to total assets | 73.8203% | 1,840 |
| Net loans and leases to deposits | 89.2006% | 1,731 |
| Net loans and leases to core deposits | 92.8589% | 2,224 |
| Total domestic deposits to total assets | 82.7576% | 3,482 |
| Equity capital to assets | 13.4868% | 1,213 |
| Core capital (leverage) ratio | 10.0922% | 3,497 |
| Tier 1 risk-based capital ratio | 12.7652% | 4,003 |
| Total risk-based capital ratio | 13.0976% | 4,445 |
| Memoranda: | ||
| Average total assets | $1,631,951,500 | 524 |
| Average earning assets | $1,462,270,500 | 527 |
| Average equity | $217,591,000 | 442 |
| Average total loans | $1,202,878,500 | 499 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0755% | 3,818 |
| Cost of funding earning assets | 0.4763% | 3,506 |
| Net interest margin | 3.5993% | 3,384 |
| Noninterest income to average assets | 0.7644% | 1,587 |
| Noninterest expense to average assets | 2.6732% | 3,117 |
| Loan and lease loss provision to assets | 0.0618% | 2,920 |
| Net operating income to assets | 1.0363% | 2,858 |
| Return on assets (ROA) | 1.0356% | 2,847 |
| Pretax return on assets | 1.2557% | 2,676 |
| Return on Equity (ROE) | 8.3117% | 3,317 |
| Retained earnings to average equity (ytd only) | 2.7277% | 4,039 |
| Net charge-offs to loans | 0.0269% | 2,874 |
| Credit loss provision to net charge-offs | 328.4698% | 955 |
| Earnings coverage of net charge-offs (x) | 70.0142% | 931 |
| Efficiency ratio | 65.4244% | 2,967 |
| Assets per employee ($millions) | 5.0285% | 2,460 |
| Cash dividends to net income (ytd only)* | 67.1821% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3376% | 5,261 |
| Loan loss allowance to noncurrent loans | 130.4320% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 3,802 |
| Noncurrent loans to loans | 0.2588% | 3,652 |
| Net loans and leases to total assets | 73.0959% | 2,083 |
| Net loans and leases to deposits | 91.7752% | 1,578 |
| Net loans and leases to core deposits | 94.6415% | 2,175 |
| Total domestic deposits to total assets | 79.6467% | 4,184 |
| Equity capital to assets | 13.1800% | 1,262 |
| Core capital (leverage) ratio | 9.9623% | 3,626 |
| Tier 1 risk-based capital ratio | 12.6528% | 4,047 |
| Total risk-based capital ratio | 12.9802% | 4,484 |
| Memoranda: | ||
| Average total assets | $1,492,352,800 | 544 |
| Average earning assets | $1,338,077,200 | 550 |
| Average equity | $185,942,000 | 477 |
| Average total loans | $1,045,152,400 | 537 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 4,077 |
| Cost of funding earning assets | 0.4143% | 3,757 |
| Net interest margin | 3.5368% | 3,569 |
| Noninterest income to average assets | 0.7590% | 1,638 |
| Noninterest expense to average assets | 2.7164% | 2,932 |
| Loan and lease loss provision to assets | 0.0880% | 2,214 |
| Net operating income to assets | 0.9358% | 3,367 |
| Return on assets (ROA) | 0.9342% | 3,381 |
| Pretax return on assets | 1.1235% | 3,302 |
| Return on Equity (ROE) | 7.6215% | 3,699 |
| Retained earnings to average equity (ytd only) | 2.1092% | 4,539 |
| Net charge-offs to loans | 0.0462% | 2,172 |
| Credit loss provision to net charge-offs | 275.6447% | 1,093 |
| Earnings coverage of net charge-offs (x) | 37.9915% | 1,395 |
| Efficiency ratio | 67.5881% | 2,611 |
| Assets per employee ($millions) | 4.9623% | 2,513 |
| Cash dividends to net income (ytd only)* | 72.3256% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3455% | 5,331 |
| Loan loss allowance to noncurrent loans | 154.3428% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 4,145 |
| Noncurrent loans to loans | 0.2239% | 3,905 |
| Net loans and leases to total assets | 71.6017% | 2,391 |
| Net loans and leases to deposits | 84.4310% | 2,545 |
| Net loans and leases to core deposits | 87.0855% | 2,913 |
| Total domestic deposits to total assets | 84.8050% | 2,685 |
| Equity capital to assets | 13.0083% | 1,333 |
| Core capital (leverage) ratio | 9.7900% | 3,852 |
| Tier 1 risk-based capital ratio | 12.6790% | 4,091 |
| Total risk-based capital ratio | 13.0116% | 4,523 |
| Memoranda: | ||
| Average total assets | $1,456,876,000 | 554 |
| Average earning assets | $1,306,172,250 | 558 |
| Average equity | $178,578,750 | 487 |
| Average total loans | $1,006,784,750 | 554 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,450 |
| Cost of funding earning assets | 0.3352% | 4,166 |
| Net interest margin | 3.4228% | 3,888 |
| Noninterest income to average assets | 0.7317% | 1,730 |
| Noninterest expense to average assets | 2.7428% | 2,868 |
| Loan and lease loss provision to assets | 0.0432% | 3,033 |
| Net operating income to assets | 0.8515% | 3,668 |
| Return on assets (ROA) | 0.8520% | 3,666 |
| Pretax return on assets | 1.0175% | 3,609 |
| Return on Equity (ROE) | 7.1283% | 3,861 |
| Retained earnings to average equity (ytd only) | 0.9469% | 4,772 |
| Net charge-offs to loans | 0.0216% | 2,450 |
| Credit loss provision to net charge-offs | 294.1748% | 1,014 |
| Earnings coverage of net charge-offs (x) | 72.2039% | 887 |
| Efficiency ratio | 70.7249% | 2,208 |
| Assets per employee ($millions) | 4.7338% | 2,775 |
| Cash dividends to net income (ytd only)* | 86.7157% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3108% | 5,411 |
| Loan loss allowance to noncurrent loans | 87.0921% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 3,738 |
| Noncurrent loans to loans | 0.3569% | 3,419 |
| Net loans and leases to total assets | 70.9577% | 2,439 |
| Net loans and leases to deposits | 83.6333% | 2,578 |
| Net loans and leases to core deposits | 89.9055% | 2,580 |
| Total domestic deposits to total assets | 84.8438% | 2,730 |
| Equity capital to assets | 12.8155% | 1,382 |
| Core capital (leverage) ratio | 11.3132% | 2,242 |
| Tier 1 risk-based capital ratio | 12.5103% | 4,179 |
| Total risk-based capital ratio | 12.8064% | 4,648 |
| Memoranda: | ||
| Average total assets | $1,403,029,330 | 567 |
| Average earning assets | $1,258,899,000 | 576 |
| Average equity | $167,698,330 | 512 |
| Average total loans | $954,938,000 | 582 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8416% | 4,104 |
| Cost of funding earning assets | 0.3261% | 4,158 |
| Net interest margin | 3.5155% | 3,481 |
| Noninterest income to average assets | 0.8869% | 1,182 |
| Noninterest expense to average assets | 2.9583% | 2,181 |
| Loan and lease loss provision to assets | 0.0245% | 3,202 |
| Net operating income to assets | 0.8906% | 3,336 |
| Return on assets (ROA) | 0.8854% | 3,366 |
| Pretax return on assets | 1.0555% | 3,332 |
| Return on Equity (ROE) | 7.7608% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.8695% | 4,050 |
| Net charge-offs to loans | -0.0220% | 4,608 |
| Credit loss provision to net charge-offs | -168.0851% | 3,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7253% | 2,232 |
| Assets per employee ($millions) | 4.3329% | 3,426 |
| Cash dividends to net income (ytd only)* | 63.0252% | 1,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4120% | 5,420 |
| Loan loss allowance to noncurrent loans | 122.1107% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 3,978 |
| Noncurrent loans to loans | 0.3374% | 3,551 |
| Net loans and leases to total assets | 66.2954% | 2,986 |
| Net loans and leases to deposits | 75.9132% | 3,221 |
| Net loans and leases to core deposits | 79.2052% | 3,389 |
| Total domestic deposits to total assets | 87.3305% | 1,990 |
| Equity capital to assets | 11.3643% | 2,247 |
| Core capital (leverage) ratio | 9.4000% | 4,191 |
| Tier 1 risk-based capital ratio | 12.9415% | 3,983 |
| Total risk-based capital ratio | 13.3263% | 4,395 |
| Memoranda: | ||
| Average total assets | $1,290,330,500 | 612 |
| Average earning assets | $1,158,986,000 | 627 |
| Average equity | $147,202,000 | 575 |
| Average total loans | $852,858,500 | 645 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,187 |
| Cost of funding earning assets | 0.3046% | 4,090 |
| Net interest margin | 3.4547% | 3,673 |
| Noninterest income to average assets | 0.8287% | 1,471 |
| Noninterest expense to average assets | 2.5638% | 3,566 |
| Loan and lease loss provision to assets | 0.0164% | 3,968 |
| Net operating income to assets | 1.0081% | 2,206 |
| Return on assets (ROA) | 1.0203% | 2,185 |
| Pretax return on assets | 1.3745% | 2,073 |
| Return on Equity (ROE) | 9.2160% | 2,204 |
| Retained earnings to average equity (ytd only) | 4.5375% | 2,432 |
| Net charge-offs to loans | 0.0467% | 2,850 |
| Credit loss provision to net charge-offs | 55.5556% | 3,267 |
| Earnings coverage of net charge-offs (x) | 46.6202% | 1,150 |
| Efficiency ratio | 63.6499% | 3,653 |
| Assets per employee ($millions) | 4.1736% | 3,700 |
| Cash dividends to net income (ytd only)* | 50.7652% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 5,486 |
| Loan loss allowance to noncurrent loans | 114.8498% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 3,994 |
| Noncurrent loans to loans | 0.3490% | 3,512 |
| Net loans and leases to total assets | 65.3622% | 3,175 |
| Net loans and leases to deposits | 77.8597% | 3,127 |
| Net loans and leases to core deposits | 79.1539% | 3,493 |
| Total domestic deposits to total assets | 83.9486% | 3,229 |
| Equity capital to assets | 11.4517% | 2,233 |
| Core capital (leverage) ratio | 9.3550% | 4,222 |
| Tier 1 risk-based capital ratio | 13.0718% | 3,864 |
| Total risk-based capital ratio | 13.4485% | 4,292 |
| Memoranda: | ||
| Average total assets | $1,312,795,600 | 583 |
| Average earning assets | $1,181,622,400 | 593 |
| Average equity | $145,344,800 | 554 |
| Average total loans | $828,096,200 | 632 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6860% | 4,363 |
| Cost of funding earning assets | 0.2972% | 4,164 |
| Net interest margin | 3.3889% | 3,888 |
| Noninterest income to average assets | 0.8211% | 1,512 |
| Noninterest expense to average assets | 2.5308% | 3,623 |
| Loan and lease loss provision to assets | 0.0228% | 3,685 |
| Net operating income to assets | 0.9647% | 2,710 |
| Return on assets (ROA) | 0.9797% | 2,700 |
| Pretax return on assets | 1.3418% | 2,322 |
| Return on Equity (ROE) | 8.9240% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.1306% | 3,453 |
| Net charge-offs to loans | 0.0637% | 2,205 |
| Credit loss provision to net charge-offs | 57.2519% | 2,837 |
| Earnings coverage of net charge-offs (x) | 33.7937% | 1,459 |
| Efficiency ratio | 63.8470% | 3,577 |
| Assets per employee ($millions) | 4.4199% | 3,285 |
| Cash dividends to net income (ytd only)* | 53.7134% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4083% | 5,555 |
| Loan loss allowance to noncurrent loans | 75.9929% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3414% | 3,678 |
| Noncurrent loans to loans | 0.5373% | 3,090 |
| Net loans and leases to total assets | 63.2891% | 3,514 |
| Net loans and leases to deposits | 74.0541% | 3,556 |
| Net loans and leases to core deposits | 75.4514% | 3,846 |
| Total domestic deposits to total assets | 85.4633% | 2,531 |
| Equity capital to assets | 11.2453% | 2,622 |
| Core capital (leverage) ratio | 9.0162% | 4,720 |
| Tier 1 risk-based capital ratio | 12.9141% | 4,069 |
| Total risk-based capital ratio | 13.2953% | 4,474 |
| Memoranda: | ||
| Average total assets | $1,317,544,000 | 587 |
| Average earning assets | $1,187,235,250 | 592 |
| Average equity | $144,640,500 | 562 |
| Average total loans | $822,855,250 | 639 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,332 |
| Cost of funding earning assets | 0.2924% | 4,157 |
| Net interest margin | 3.3712% | 3,873 |
| Noninterest income to average assets | 0.8311% | 1,464 |
| Noninterest expense to average assets | 2.4796% | 3,814 |
| Loan and lease loss provision to assets | 0.0359% | 3,286 |
| Net operating income to assets | 0.9874% | 2,488 |
| Return on assets (ROA) | 1.0029% | 2,451 |
| Pretax return on assets | 1.3753% | 2,117 |
| Return on Equity (ROE) | 9.2100% | 2,407 |
| Retained earnings to average equity (ytd only) | 4.1978% | 3,211 |
| Net charge-offs to loans | 0.1050% | 1,581 |
| Credit loss provision to net charge-offs | 55.1163% | 2,507 |
| Earnings coverage of net charge-offs (x) | 21.3209% | 1,756 |
| Efficiency ratio | 62.6180% | 3,884 |
| Assets per employee ($millions) | 4.5997% | 2,945 |
| Cash dividends to net income (ytd only)* | 54.4218% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4090% | 5,605 |
| Loan loss allowance to noncurrent loans | 86.9632% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2915% | 3,968 |
| Noncurrent loans to loans | 0.4703% | 3,331 |
| Net loans and leases to total assets | 61.7388% | 3,658 |
| Net loans and leases to deposits | 71.9724% | 3,744 |
| Net loans and leases to core deposits | 73.4327% | 3,989 |
| Total domestic deposits to total assets | 85.7813% | 2,483 |
| Equity capital to assets | 10.9419% | 2,875 |
| Core capital (leverage) ratio | 8.8279% | 4,917 |
| Tier 1 risk-based capital ratio | 12.8190% | 4,109 |
| Total risk-based capital ratio | 13.2002% | 4,554 |
| Memoranda: | ||
| Average total assets | $1,319,158,330 | 588 |
| Average earning assets | $1,188,940,330 | 593 |
| Average equity | $143,648,330 | 565 |
| Average total loans | $819,072,670 | 646 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6683% | 4,212 |
| Cost of funding earning assets | 0.2960% | 4,089 |
| Net interest margin | 3.3723% | 3,749 |
| Noninterest income to average assets | 0.7974% | 1,561 |
| Noninterest expense to average assets | 2.3971% | 4,118 |
| Loan and lease loss provision to assets | 0.0046% | 3,501 |
| Net operating income to assets | 1.0444% | 2,095 |
| Return on assets (ROA) | 1.0444% | 2,148 |
| Pretax return on assets | 1.4387% | 1,734 |
| Return on Equity (ROE) | 9.6144% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.1230% | 2,817 |
| Net charge-offs to loans | 0.1291% | 1,148 |
| Credit loss provision to net charge-offs | 5.7034% | 2,251 |
| Earnings coverage of net charge-offs (x) | 17.9962% | 1,580 |
| Efficiency ratio | 60.9497% | 4,327 |
| Assets per employee ($millions) | 4.8630% | 2,615 |
| Cash dividends to net income (ytd only)* | 46.7153% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4106% | 5,678 |
| Loan loss allowance to noncurrent loans | 85.7511% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 4,020 |
| Noncurrent loans to loans | 0.4789% | 3,371 |
| Net loans and leases to total assets | 61.2465% | 3,629 |
| Net loans and leases to deposits | 70.2696% | 3,766 |
| Net loans and leases to core deposits | 71.7361% | 4,006 |
| Total domestic deposits to total assets | 87.1594% | 2,131 |
| Equity capital to assets | 10.9011% | 2,744 |
| Core capital (leverage) ratio | 8.7951% | 4,958 |
| Tier 1 risk-based capital ratio | 13.0938% | 4,028 |
| Total risk-based capital ratio | 13.4815% | 4,462 |
| Memoranda: | ||
| Average total assets | $1,311,774,000 | 589 |
| Average earning assets | $1,183,648,000 | 601 |
| Average equity | $142,494,000 | 565 |
| Average total loans | $815,142,500 | 651 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,228 |
| Cost of funding earning assets | 0.2961% | 4,106 |
| Net interest margin | 3.3967% | 3,837 |
| Noninterest income to average assets | 0.7651% | 1,903 |
| Noninterest expense to average assets | 2.4902% | 4,045 |
| Loan and lease loss provision to assets | 0.0701% | 2,956 |
| Net operating income to assets | 0.9464% | 2,603 |
| Return on assets (ROA) | 1.0066% | 2,424 |
| Pretax return on assets | 1.3734% | 2,035 |
| Return on Equity (ROE) | 9.2298% | 2,298 |
| Retained earnings to average equity (ytd only) | 4.0920% | 3,002 |
| Net charge-offs to loans | 0.0586% | 2,876 |
| Credit loss provision to net charge-offs | 195.5032% | 1,445 |
| Earnings coverage of net charge-offs (x) | 37.9679% | 1,220 |
| Efficiency ratio | 63.1595% | 4,080 |
| Assets per employee ($millions) | 4.6300% | 2,919 |
| Cash dividends to net income (ytd only)* | 55.6657% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 5,712 |
| Loan loss allowance to noncurrent loans | 62.1955% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,508 |
| Noncurrent loans to loans | 0.7011% | 2,791 |
| Net loans and leases to total assets | 62.5141% | 3,543 |
| Net loans and leases to deposits | 73.4417% | 3,574 |
| Net loans and leases to core deposits | 74.9530% | 3,838 |
| Total domestic deposits to total assets | 85.1207% | 2,994 |
| Equity capital to assets | 10.8239% | 2,790 |
| Core capital (leverage) ratio | 8.6930% | 5,083 |
| Tier 1 risk-based capital ratio | 12.8249% | 4,188 |
| Total risk-based capital ratio | 13.2370% | 4,621 |
| Memoranda: | ||
| Average total assets | $1,302,781,400 | 568 |
| Average earning assets | $1,183,668,200 | 569 |
| Average equity | $142,082,800 | 556 |
| Average total loans | $796,316,200 | 629 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,390 |
| Cost of funding earning assets | 0.2944% | 4,164 |
| Net interest margin | 3.3611% | 3,991 |
| Noninterest income to average assets | 0.7466% | 1,982 |
| Noninterest expense to average assets | 2.5181% | 3,933 |
| Loan and lease loss provision to assets | 0.0879% | 2,471 |
| Net operating income to assets | 0.8822% | 2,998 |
| Return on assets (ROA) | 0.9531% | 2,779 |
| Pretax return on assets | 1.2973% | 2,439 |
| Return on Equity (ROE) | 8.7230% | 2,648 |
| Retained earnings to average equity (ytd only) | 3.3812% | 3,876 |
| Net charge-offs to loans | 0.0319% | 3,012 |
| Credit loss provision to net charge-offs | 453.9683% | 768 |
| Earnings coverage of net charge-offs (x) | 66.5513% | 890 |
| Efficiency ratio | 64.6426% | 3,832 |
| Assets per employee ($millions) | 4.5173% | 3,060 |
| Cash dividends to net income (ytd only)* | 61.2376% | 1,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 5,752 |
| Loan loss allowance to noncurrent loans | 81.8887% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 3,947 |
| Noncurrent loans to loans | 0.5714% | 3,286 |
| Net loans and leases to total assets | 60.6233% | 3,800 |
| Net loans and leases to deposits | 69.6808% | 4,014 |
| Net loans and leases to core deposits | 71.0553% | 4,244 |
| Total domestic deposits to total assets | 87.0015% | 1,899 |
| Equity capital to assets | 10.8997% | 3,133 |
| Core capital (leverage) ratio | 8.4910% | 5,364 |
| Tier 1 risk-based capital ratio | 12.7427% | 4,314 |
| Total risk-based capital ratio | 13.1868% | 4,722 |
| Memoranda: | ||
| Average total assets | $1,302,059,000 | 566 |
| Average earning assets | $1,185,228,750 | 565 |
| Average equity | $142,272,250 | 560 |
| Average total loans | $790,444,500 | 633 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6735% | 4,378 |
| Cost of funding earning assets | 0.2944% | 4,196 |
| Net interest margin | 3.3791% | 3,972 |
| Noninterest income to average assets | 0.7375% | 1,982 |
| Noninterest expense to average assets | 2.5182% | 3,987 |
| Loan and lease loss provision to assets | 0.0752% | 2,633 |
| Net operating income to assets | 0.8950% | 2,886 |
| Return on assets (ROA) | 0.9676% | 2,683 |
| Pretax return on assets | 1.3207% | 2,323 |
| Return on Equity (ROE) | 8.8477% | 2,561 |
| Retained earnings to average equity (ytd only) | 2.1942% | 4,475 |
| Net charge-offs to loans | 0.0620% | 2,309 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 34.4650% | 1,275 |
| Efficiency ratio | 64.4901% | 3,933 |
| Assets per employee ($millions) | 4.5381% | 2,953 |
| Cash dividends to net income (ytd only)* | 75.2000% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4214% | 5,865 |
| Loan loss allowance to noncurrent loans | 110.0130% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 4,348 |
| Noncurrent loans to loans | 0.3830% | 3,990 |
| Net loans and leases to total assets | 60.7762% | 3,779 |
| Net loans and leases to deposits | 70.8415% | 3,905 |
| Net loans and leases to core deposits | 72.2016% | 4,157 |
| Total domestic deposits to total assets | 85.7919% | 2,525 |
| Equity capital to assets | 10.9853% | 3,075 |
| Core capital (leverage) ratio | 8.4447% | 5,406 |
| Tier 1 risk-based capital ratio | 12.7099% | 4,381 |
| Total risk-based capital ratio | 13.1114% | 4,816 |
| Memoranda: | ||
| Average total assets | $1,291,880,000 | 569 |
| Average earning assets | $1,176,475,670 | 569 |
| Average equity | $141,280,000 | 564 |
| Average total loans | $783,372,000 | 639 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6296% | 4,540 |
| Cost of funding earning assets | 0.2904% | 4,274 |
| Net interest margin | 3.3392% | 4,081 |
| Noninterest income to average assets | 0.7719% | 1,724 |
| Noninterest expense to average assets | 2.5730% | 3,833 |
| Loan and lease loss provision to assets | 0.0281% | 3,292 |
| Net operating income to assets | 0.8883% | 2,813 |
| Return on assets (ROA) | 0.9728% | 2,514 |
| Pretax return on assets | 1.3319% | 2,174 |
| Return on Equity (ROE) | 8.9160% | 2,462 |
| Retained earnings to average equity (ytd only) | 0.3374% | 5,037 |
| Net charge-offs to loans | 0.0356% | 2,264 |
| Credit loss provision to net charge-offs | 130.4348% | 1,363 |
| Earnings coverage of net charge-offs (x) | 57.7971% | 806 |
| Efficiency ratio | 65.8766% | 3,823 |
| Assets per employee ($millions) | 4.7761% | 2,633 |
| Cash dividends to net income (ytd only)* | 96.2155% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 5,946 |
| Loan loss allowance to noncurrent loans | 91.9171% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3326% | 4,230 |
| Noncurrent loans to loans | 0.4401% | 3,863 |
| Net loans and leases to total assets | 60.3660% | 3,721 |
| Net loans and leases to deposits | 69.2114% | 3,931 |
| Net loans and leases to core deposits | 70.5167% | 4,202 |
| Total domestic deposits to total assets | 87.2198% | 2,090 |
| Equity capital to assets | 11.0035% | 2,933 |
| Core capital (leverage) ratio | 8.4805% | 5,412 |
| Tier 1 risk-based capital ratio | 12.9584% | 4,293 |
| Total risk-based capital ratio | 13.3462% | 4,758 |
| Memoranda: | ||
| Average total assets | $1,282,061,000 | 569 |
| Average earning assets | $1,169,275,000 | 571 |
| Average equity | $139,883,000 | 566 |
| Average total loans | $774,826,000 | 645 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8826% | 3,767 |
| Cost of funding earning assets | 0.3033% | 4,209 |
| Net interest margin | 3.5793% | 3,211 |
| Noninterest income to average assets | 0.8283% | 1,680 |
| Noninterest expense to average assets | 2.6301% | 3,820 |
| Loan and lease loss provision to assets | 0.1131% | 2,116 |
| Net operating income to assets | 0.9738% | 2,498 |
| Return on assets (ROA) | 0.9884% | 2,514 |
| Pretax return on assets | 1.3589% | 2,074 |
| Return on Equity (ROE) | 9.0960% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.9784% | 2,436 |
| Net charge-offs to loans | 0.1839% | 1,564 |
| Credit loss provision to net charge-offs | 100.5895% | 2,487 |
| Earnings coverage of net charge-offs (x) | 12.9145% | 2,414 |
| Efficiency ratio | 63.0092% | 4,438 |
| Assets per employee ($millions) | 4.5691% | 2,925 |
| Cash dividends to net income (ytd only)* | 45.2678% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4059% | 5,991 |
| Loan loss allowance to noncurrent loans | 137.1166% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 4,619 |
| Noncurrent loans to loans | 0.2960% | 4,397 |
| Net loans and leases to total assets | 60.0154% | 3,838 |
| Net loans and leases to deposits | 70.5906% | 3,854 |
| Net loans and leases to core deposits | 71.9589% | 4,135 |
| Total domestic deposits to total assets | 85.0190% | 3,084 |
| Equity capital to assets | 10.8177% | 3,008 |
| Core capital (leverage) ratio | 8.4872% | 5,450 |
| Tier 1 risk-based capital ratio | 13.2606% | 4,129 |
| Total risk-based capital ratio | 13.6521% | 4,591 |
| Memoranda: | ||
| Average total assets | $1,206,943,000 | 583 |
| Average earning assets | $1,097,189,600 | 586 |
| Average equity | $131,145,400 | 579 |
| Average total loans | $737,829,800 | 634 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9279% | 3,643 |
| Cost of funding earning assets | 0.2990% | 4,350 |
| Net interest margin | 3.6288% | 3,036 |
| Noninterest income to average assets | 0.8527% | 1,611 |
| Noninterest expense to average assets | 2.6776% | 3,646 |
| Loan and lease loss provision to assets | 0.1105% | 2,039 |
| Net operating income to assets | 0.9857% | 2,537 |
| Return on assets (ROA) | 0.9912% | 2,598 |
| Pretax return on assets | 1.3669% | 2,151 |
| Return on Equity (ROE) | 9.1112% | 2,520 |
| Retained earnings to average equity (ytd only) | 4.6783% | 3,144 |
| Net charge-offs to loans | 0.2098% | 1,239 |
| Credit loss provision to net charge-offs | 85.8014% | 2,525 |
| Earnings coverage of net charge-offs (x) | 11.4164% | 2,490 |
| Efficiency ratio | 63.1811% | 4,382 |
| Assets per employee ($millions) | 4.1903% | 3,534 |
| Cash dividends to net income (ytd only)* | 48.6535% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3878% | 6,098 |
| Loan loss allowance to noncurrent loans | 122.7386% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2840% | 4,629 |
| Noncurrent loans to loans | 0.3159% | 4,464 |
| Net loans and leases to total assets | 59.6517% | 3,924 |
| Net loans and leases to deposits | 68.8283% | 4,110 |
| Net loans and leases to core deposits | 70.1342% | 4,356 |
| Total domestic deposits to total assets | 86.6674% | 2,199 |
| Equity capital to assets | 10.8853% | 3,144 |
| Core capital (leverage) ratio | 8.4315% | 5,602 |
| Tier 1 risk-based capital ratio | 13.2854% | 4,266 |
| Total risk-based capital ratio | 13.6636% | 4,727 |
| Memoranda: | ||
| Average total assets | $1,188,840,500 | 597 |
| Average earning assets | $1,079,405,000 | 600 |
| Average equity | $129,332,750 | 590 |
| Average total loans | $729,552,750 | 642 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,030 |
| Cost of funding earning assets | 0.2866% | 4,543 |
| Net interest margin | 3.7781% | 2,410 |
| Noninterest income to average assets | 0.8934% | 1,466 |
| Noninterest expense to average assets | 2.7526% | 3,399 |
| Loan and lease loss provision to assets | 0.1286% | 1,727 |
| Net operating income to assets | 1.0378% | 2,183 |
| Return on assets (ROA) | 1.0461% | 2,264 |
| Pretax return on assets | 1.4521% | 1,794 |
| Return on Equity (ROE) | 9.6179% | 2,245 |
| Retained earnings to average equity (ytd only) | 5.4982% | 2,536 |
| Net charge-offs to loans | 0.2753% | 958 |
| Credit loss provision to net charge-offs | 75.4297% | 2,390 |
| Earnings coverage of net charge-offs (x) | 9.2063% | 2,477 |
| Efficiency ratio | 62.4118% | 4,615 |
| Assets per employee ($millions) | 4.1051% | 3,673 |
| Cash dividends to net income (ytd only)* | 42.8336% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3815% | 6,171 |
| Loan loss allowance to noncurrent loans | 137.7512% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 4,768 |
| Noncurrent loans to loans | 0.2769% | 4,681 |
| Net loans and leases to total assets | 60.2472% | 3,792 |
| Net loans and leases to deposits | 69.3193% | 4,005 |
| Net loans and leases to core deposits | 70.7629% | 4,253 |
| Total domestic deposits to total assets | 86.9126% | 2,212 |
| Equity capital to assets | 10.8623% | 3,036 |
| Core capital (leverage) ratio | 8.6579% | 5,362 |
| Tier 1 risk-based capital ratio | 13.6398% | 4,137 |
| Total risk-based capital ratio | 14.0219% | 4,556 |
| Memoranda: | ||
| Average total assets | $1,160,502,670 | 611 |
| Average earning assets | $1,053,066,670 | 614 |
| Average equity | $126,222,670 | 608 |
| Average total loans | $718,459,330 | 654 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,328 |
| Cost of funding earning assets | 0.3005% | 4,438 |
| Net interest margin | 3.6722% | 2,726 |
| Noninterest income to average assets | 0.8564% | 1,539 |
| Noninterest expense to average assets | 2.7339% | 3,471 |
| Loan and lease loss provision to assets | 0.0247% | 3,379 |
| Net operating income to assets | 1.0325% | 2,109 |
| Return on assets (ROA) | 1.0498% | 2,180 |
| Pretax return on assets | 1.4571% | 1,705 |
| Return on Equity (ROE) | 9.6450% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.6450% | 1,007 |
| Net charge-offs to loans | 0.2011% | 1,129 |
| Credit loss provision to net charge-offs | 19.6023% | 2,363 |
| Earnings coverage of net charge-offs (x) | 11.5625% | 1,856 |
| Efficiency ratio | 63.9750% | 4,488 |
| Assets per employee ($millions) | 4.0999% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4045% | 6,236 |
| Loan loss allowance to noncurrent loans | 65.5427% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 0.5049% | 4,005 |
| Noncurrent loans to loans | 0.6171% | 3,725 |
| Net loans and leases to total assets | 61.9842% | 3,369 |
| Net loans and leases to deposits | 71.5981% | 3,574 |
| Net loans and leases to core deposits | 73.2461% | 3,849 |
| Total domestic deposits to total assets | 86.5723% | 2,623 |
| Equity capital to assets | 10.9770% | 2,995 |
| Core capital (leverage) ratio | 8.4654% | 5,556 |
| Tier 1 risk-based capital ratio | 13.2922% | 4,439 |
| Total risk-based capital ratio | 13.7001% | 4,859 |
| Memoranda: | ||
| Average total assets | $1,116,777,000 | 631 |
| Average earning assets | $1,014,326,000 | 633 |
| Average equity | $121,555,500 | 628 |
| Average total loans | $700,321,000 | 659 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,733 |
| Cost of funding earning assets | 0.3645% | 4,091 |
| Net interest margin | 3.6344% | 3,273 |
| Noninterest income to average assets | 0.8934% | 1,521 |
| Noninterest expense to average assets | 2.8034% | 3,466 |
| Loan and lease loss provision to assets | 0.0855% | 2,760 |
| Net operating income to assets | 0.9555% | 2,601 |
| Return on assets (ROA) | 0.9650% | 2,642 |
| Pretax return on assets | 1.3085% | 2,213 |
| Return on Equity (ROE) | 9.2348% | 2,466 |
| Retained earnings to average equity (ytd only) | 1.4915% | 5,096 |
| Net charge-offs to loans | 0.2095% | 1,991 |
| Credit loss provision to net charge-offs | 66.5236% | 3,153 |
| Earnings coverage of net charge-offs (x) | 10.7454% | 2,587 |
| Efficiency ratio | 65.7314% | 4,301 |
| Assets per employee ($millions) | 3.9787% | 4,007 |
| Cash dividends to net income (ytd only)* | 83.8495% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4465% | 6,302 |
| Loan loss allowance to noncurrent loans | 53.7918% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 3,626 |
| Noncurrent loans to loans | 0.8301% | 3,238 |
| Net loans and leases to total assets | 62.9093% | 3,376 |
| Net loans and leases to deposits | 73.2311% | 3,523 |
| Net loans and leases to core deposits | 75.1388% | 3,809 |
| Total domestic deposits to total assets | 85.9052% | 2,895 |
| Equity capital to assets | 10.7902% | 3,135 |
| Core capital (leverage) ratio | 7.9760% | 6,015 |
| Tier 1 risk-based capital ratio | 13.0306% | 4,714 |
| Total risk-based capital ratio | 13.4987% | 5,107 |
| Memoranda: | ||
| Average total assets | $1,087,567,000 | 616 |
| Average earning assets | $984,898,200 | 618 |
| Average equity | $113,645,600 | 645 |
| Average total loans | $667,228,000 | 651 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,968 |
| Cost of funding earning assets | 0.3735% | 4,091 |
| Net interest margin | 3.5759% | 3,526 |
| Noninterest income to average assets | 0.8258% | 1,792 |
| Noninterest expense to average assets | 2.8895% | 3,161 |
| Loan and lease loss provision to assets | 0.0907% | 2,542 |
| Net operating income to assets | 0.8148% | 3,367 |
| Return on assets (ROA) | 0.8219% | 3,421 |
| Pretax return on assets | 1.0918% | 3,221 |
| Return on Equity (ROE) | 7.9319% | 3,245 |
| Retained earnings to average equity (ytd only) | 4.4863% | 3,461 |
| Net charge-offs to loans | 0.2079% | 1,805 |
| Credit loss provision to net charge-offs | 71.6926% | 2,742 |
| Earnings coverage of net charge-offs (x) | 9.2685% | 2,691 |
| Efficiency ratio | 69.8397% | 3,540 |
| Assets per employee ($millions) | 3.9908% | 3,911 |
| Cash dividends to net income (ytd only)* | 43.4392% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 6,359 |
| Loan loss allowance to noncurrent loans | 51.7414% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,719 |
| Noncurrent loans to loans | 0.9293% | 3,241 |
| Net loans and leases to total assets | 60.8708% | 3,646 |
| Net loans and leases to deposits | 71.3209% | 3,762 |
| Net loans and leases to core deposits | 73.1908% | 4,029 |
| Total domestic deposits to total assets | 85.3477% | 3,189 |
| Equity capital to assets | 10.7694% | 3,219 |
| Core capital (leverage) ratio | 8.0275% | 6,049 |
| Tier 1 risk-based capital ratio | 13.4639% | 4,567 |
| Total risk-based capital ratio | 13.9640% | 4,941 |
| Memoranda: | ||
| Average total assets | $1,082,935,750 | 620 |
| Average earning assets | $980,248,250 | 612 |
| Average equity | $112,219,500 | 652 |
| Average total loans | $659,296,000 | 656 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 3,911 |
| Cost of funding earning assets | 0.3791% | 4,109 |
| Net interest margin | 3.5770% | 3,456 |
| Noninterest income to average assets | 0.8078% | 1,808 |
| Noninterest expense to average assets | 3.0072% | 2,802 |
| Loan and lease loss provision to assets | 0.0628% | 3,013 |
| Net operating income to assets | 0.7422% | 3,613 |
| Return on assets (ROA) | 0.7422% | 3,713 |
| Pretax return on assets | 0.9739% | 3,596 |
| Return on Equity (ROE) | 7.2616% | 3,486 |
| Retained earnings to average equity (ytd only) | 4.5186% | 3,305 |
| Net charge-offs to loans | 0.1633% | 2,087 |
| Credit loss provision to net charge-offs | 63.2768% | 2,590 |
| Earnings coverage of net charge-offs (x) | 10.4463% | 2,247 |
| Efficiency ratio | 73.0970% | 3,139 |
| Assets per employee ($millions) | 3.9087% | 4,041 |
| Cash dividends to net income (ytd only)* | 37.7739% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4907% | 6,424 |
| Loan loss allowance to noncurrent loans | 53.2643% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 3,821 |
| Noncurrent loans to loans | 0.9212% | 3,419 |
| Net loans and leases to total assets | 59.8977% | 3,733 |
| Net loans and leases to deposits | 69.7189% | 3,856 |
| Net loans and leases to core deposits | 71.6872% | 4,080 |
| Total domestic deposits to total assets | 85.9131% | 3,086 |
| Equity capital to assets | 10.4581% | 3,491 |
| Core capital (leverage) ratio | 7.8583% | 6,180 |
| Tier 1 risk-based capital ratio | 12.9711% | 4,930 |
| Total risk-based capital ratio | 13.4751% | 5,321 |
| Memoranda: | ||
| Average total assets | $1,070,107,670 | 623 |
| Average earning assets | $968,128,000 | 623 |
| Average equity | $109,369,330 | 666 |
| Average total loans | $650,423,000 | 658 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 3,855 |
| Cost of funding earning assets | 0.3921% | 4,063 |
| Net interest margin | 3.5683% | 3,399 |
| Noninterest income to average assets | 0.8023% | 1,737 |
| Noninterest expense to average assets | 3.3309% | 1,873 |
| Loan and lease loss provision to assets | 0.0314% | 3,409 |
| Net operating income to assets | 0.5224% | 4,579 |
| Return on assets (ROA) | 0.5224% | 4,650 |
| Pretax return on assets | 0.6722% | 4,584 |
| Return on Equity (ROE) | 5.1787% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.1787% | 3,004 |
| Net charge-offs to loans | 0.1905% | 1,590 |
| Credit loss provision to net charge-offs | 27.0000% | 2,429 |
| Earnings coverage of net charge-offs (x) | 6.0433% | 2,291 |
| Efficiency ratio | 81.3468% | 2,007 |
| Assets per employee ($millions) | 3.6379% | 4,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4918% | 6,511 |
| Loan loss allowance to noncurrent loans | 54.3812% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7068% | 3,991 |
| Noncurrent loans to loans | 0.9044% | 3,617 |
| Net loans and leases to total assets | 60.2654% | 3,517 |
| Net loans and leases to deposits | 69.2293% | 3,704 |
| Net loans and leases to core deposits | 71.1758% | 3,959 |
| Total domestic deposits to total assets | 87.0518% | 2,774 |
| Equity capital to assets | 10.3846% | 3,358 |
| Core capital (leverage) ratio | 8.3164% | 5,829 |
| Tier 1 risk-based capital ratio | 12.3313% | 5,422 |
| Total risk-based capital ratio | 12.8131% | 5,828 |
| Memoranda: | ||
| Average total assets | $1,030,577,500 | 650 |
| Average earning assets | $933,542,000 | 659 |
| Average equity | $103,963,500 | 701 |
| Average total loans | $629,775,000 | 679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0417% | 3,948 |
| Cost of funding earning assets | 0.4918% | 3,688 |
| Net interest margin | 3.5499% | 3,682 |
| Noninterest income to average assets | 0.9016% | 1,671 |
| Noninterest expense to average assets | 2.8881% | 3,404 |
| Loan and lease loss provision to assets | 0.0647% | 3,838 |
| Net operating income to assets | 0.8807% | 2,877 |
| Return on assets (ROA) | 0.9579% | 2,590 |
| Pretax return on assets | 1.2802% | 2,233 |
| Return on Equity (ROE) | 9.9895% | 2,120 |
| Retained earnings to average equity (ytd only) | -2.0872% | 6,185 |
| Net charge-offs to loans | 0.0809% | 4,085 |
| Credit loss provision to net charge-offs | 134.5538% | 1,747 |
| Earnings coverage of net charge-offs (x) | 25.8307% | 1,314 |
| Efficiency ratio | 69.0385% | 4,009 |
| Assets per employee ($millions) | 3.7491% | 4,370 |
| Cash dividends to net income (ytd only)* | 120.8936% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 6,447 |
| Loan loss allowance to noncurrent loans | 111.8105% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,729 |
| Noncurrent loans to loans | 0.5587% | 4,592 |
| Net loans and leases to total assets | 61.3871% | 3,466 |
| Net loans and leases to deposits | 70.2694% | 3,752 |
| Net loans and leases to core deposits | 72.3861% | 4,020 |
| Total domestic deposits to total assets | 87.3596% | 2,547 |
| Equity capital to assets | 9.7268% | 4,139 |
| Core capital (leverage) ratio | 8.1003% | 6,054 |
| Tier 1 risk-based capital ratio | 13.1810% | 4,865 |
| Total risk-based capital ratio | 13.8052% | 5,208 |
| Memoranda: | ||
| Average total assets | $908,856,800 | 726 |
| Average earning assets | $826,590,600 | 723 |
| Average equity | $87,151,200 | 808 |
| Average total loans | $540,045,400 | 778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0365% | 3,994 |
| Cost of funding earning assets | 0.5094% | 3,681 |
| Net interest margin | 3.5271% | 3,764 |
| Noninterest income to average assets | 0.9083% | 1,729 |
| Noninterest expense to average assets | 2.8995% | 3,315 |
| Loan and lease loss provision to assets | 0.0544% | 3,945 |
| Net operating income to assets | 0.8679% | 3,004 |
| Return on assets (ROA) | 0.9505% | 2,694 |
| Pretax return on assets | 1.2706% | 2,448 |
| Return on Equity (ROE) | 9.9492% | 2,204 |
| Retained earnings to average equity (ytd only) | -6.3059% | 6,546 |
| Net charge-offs to loans | 0.0961% | 3,601 |
| Credit loss provision to net charge-offs | 96.3446% | 2,480 |
| Earnings coverage of net charge-offs (x) | 21.4962% | 1,544 |
| Efficiency ratio | 69.5847% | 3,822 |
| Assets per employee ($millions) | 3.7884% | 4,273 |
| Cash dividends to net income (ytd only)* | 163.3809% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 6,552 |
| Loan loss allowance to noncurrent loans | 119.8110% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.4702% | 5,018 |
| Noncurrent loans to loans | 0.5047% | 4,937 |
| Net loans and leases to total assets | 59.8912% | 3,712 |
| Net loans and leases to deposits | 69.5731% | 3,842 |
| Net loans and leases to core deposits | 71.5931% | 4,140 |
| Total domestic deposits to total assets | 86.0838% | 3,207 |
| Equity capital to assets | 9.5142% | 4,540 |
| Core capital (leverage) ratio | 7.9179% | 6,268 |
| Tier 1 risk-based capital ratio | 12.8528% | 5,222 |
| Total risk-based capital ratio | 13.4503% | 5,587 |
| Memoranda: | ||
| Average total assets | $903,625,500 | 732 |
| Average earning assets | $821,351,250 | 734 |
| Average equity | $86,329,500 | 825 |
| Average total loans | $531,468,250 | 790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 3,907 |
| Cost of funding earning assets | 0.5286% | 3,625 |
| Net interest margin | 3.5261% | 3,672 |
| Noninterest income to average assets | 0.9391% | 1,691 |
| Noninterest expense to average assets | 3.0359% | 2,889 |
| Loan and lease loss provision to assets | 0.0428% | 4,102 |
| Net operating income to assets | 0.8009% | 3,292 |
| Return on assets (ROA) | 0.9169% | 2,851 |
| Pretax return on assets | 1.2218% | 2,582 |
| Return on Equity (ROE) | 9.5838% | 2,384 |
| Retained earnings to average equity (ytd only) | -12.5120% | 6,719 |
| Net charge-offs to loans | 0.0777% | 3,606 |
| Credit loss provision to net charge-offs | 94.5545% | 2,342 |
| Earnings coverage of net charge-offs (x) | 24.4950% | 1,295 |
| Efficiency ratio | 72.3584% | 3,411 |
| Assets per employee ($millions) | 3.5347% | 4,783 |
| Cash dividends to net income (ytd only)* | 230.5528% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6158% | 6,594 |
| Loan loss allowance to noncurrent loans | 109.1778% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 5,025 |
| Noncurrent loans to loans | 0.5641% | 4,854 |
| Net loans and leases to total assets | 58.5829% | 3,890 |
| Net loans and leases to deposits | 69.0025% | 3,858 |
| Net loans and leases to core deposits | 71.0426% | 4,164 |
| Total domestic deposits to total assets | 84.8996% | 3,940 |
| Equity capital to assets | 9.2620% | 4,911 |
| Core capital (leverage) ratio | 7.7596% | 6,332 |
| Tier 1 risk-based capital ratio | 12.4312% | 5,547 |
| Total risk-based capital ratio | 13.0219% | 5,892 |
| Memoranda: | ||
| Average total assets | $891,662,670 | 741 |
| Average earning assets | $810,870,330 | 743 |
| Average equity | $85,310,330 | 836 |
| Average total loans | $519,921,330 | 811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 3,780 |
| Cost of funding earning assets | 0.5574% | 3,498 |
| Net interest margin | 3.5292% | 3,578 |
| Noninterest income to average assets | 0.9935% | 1,478 |
| Noninterest expense to average assets | 3.3678% | 1,904 |
| Loan and lease loss provision to assets | 0.0689% | 3,484 |
| Net operating income to assets | 0.5922% | 4,256 |
| Return on assets (ROA) | 0.7990% | 3,306 |
| Pretax return on assets | 1.0407% | 3,185 |
| Return on Equity (ROE) | 8.2080% | 2,874 |
| Retained earnings to average equity (ytd only) | -30.7194% | 6,900 |
| Net charge-offs to loans | 0.1451% | 2,532 |
| Credit loss provision to net charge-offs | 81.8681% | 2,135 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,783 |
| Efficiency ratio | 79.1831% | 2,442 |
| Assets per employee ($millions) | 3.7924% | 4,369 |
| Cash dividends to net income (ytd only)* | 474.2626% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 6,682 |
| Loan loss allowance to noncurrent loans | 101.5210% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.5337% | 5,058 |
| Noncurrent loans to loans | 0.6100% | 4,921 |
| Net loans and leases to total assets | 57.8482% | 3,798 |
| Net loans and leases to deposits | 66.5001% | 3,992 |
| Net loans and leases to core deposits | 68.4653% | 4,246 |
| Total domestic deposits to total assets | 86.9896% | 2,965 |
| Equity capital to assets | 9.6918% | 4,573 |
| Core capital (leverage) ratio | 7.8827% | 6,232 |
| Tier 1 risk-based capital ratio | 12.3978% | 5,646 |
| Total risk-based capital ratio | 12.9946% | 6,041 |
| Memoranda: | ||
| Average total assets | $865,608,500 | 773 |
| Average earning assets | $788,617,500 | 776 |
| Average equity | $84,259,500 | 856 |
| Average total loans | $501,725,000 | 846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 5,093 |
| Cost of funding earning assets | 0.6661% | 3,775 |
| Net interest margin | 3.3965% | 4,895 |
| Noninterest income to average assets | 0.8636% | 1,980 |
| Noninterest expense to average assets | 2.6606% | 4,539 |
| Loan and lease loss provision to assets | 0.1689% | 3,513 |
| Net operating income to assets | 0.8577% | 3,007 |
| Return on assets (ROA) | 1.0255% | 2,441 |
| Pretax return on assets | 1.3747% | 2,124 |
| Return on Equity (ROE) | 10.8907% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.8469% | 2,164 |
| Net charge-offs to loans | 0.1844% | 3,908 |
| Credit loss provision to net charge-offs | 159.8817% | 1,681 |
| Earnings coverage of net charge-offs (x) | 12.4970% | 1,922 |
| Efficiency ratio | 66.6635% | 4,385 |
| Assets per employee ($millions) | 3.6263% | 4,719 |
| Cash dividends to net income (ytd only)* | 46.3132% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 6,558 |
| Loan loss allowance to noncurrent loans | 142.6141% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5844% | 5,017 |
| Noncurrent loans to loans | 0.5311% | 5,202 |
| Net loans and leases to total assets | 57.2295% | 4,094 |
| Net loans and leases to deposits | 66.7378% | 4,173 |
| Net loans and leases to core deposits | 69.0543% | 4,431 |
| Total domestic deposits to total assets | 85.7528% | 3,485 |
| Equity capital to assets | 9.7850% | 4,473 |
| Core capital (leverage) ratio | 8.3993% | 5,758 |
| Tier 1 risk-based capital ratio | 14.1298% | 4,293 |
| Total risk-based capital ratio | 14.8622% | 4,611 |
| Memoranda: | ||
| Average total assets | $800,107,400 | 823 |
| Average earning assets | $734,220,400 | 814 |
| Average equity | $75,339,400 | 942 |
| Average total loans | $458,202,800 | 907 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0951% | 5,207 |
| Cost of funding earning assets | 0.6848% | 3,897 |
| Net interest margin | 3.4103% | 5,001 |
| Noninterest income to average assets | 0.8864% | 1,881 |
| Noninterest expense to average assets | 2.6868% | 4,417 |
| Loan and lease loss provision to assets | 0.1231% | 4,013 |
| Net operating income to assets | 0.9016% | 2,977 |
| Return on assets (ROA) | 1.0098% | 2,686 |
| Pretax return on assets | 1.3474% | 2,421 |
| Return on Equity (ROE) | 10.8284% | 2,015 |
| Retained earnings to average equity (ytd only) | 6.0237% | 2,687 |
| Net charge-offs to loans | 0.2343% | 3,318 |
| Credit loss provision to net charge-offs | 91.9455% | 3,232 |
| Earnings coverage of net charge-offs (x) | 9.9021% | 2,256 |
| Efficiency ratio | 66.7756% | 4,291 |
| Assets per employee ($millions) | 3.5635% | 4,818 |
| Cash dividends to net income (ytd only)* | 44.3714% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 6,831 |
| Loan loss allowance to noncurrent loans | 102.3571% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.6293% | 5,096 |
| Noncurrent loans to loans | 0.6121% | 5,212 |
| Net loans and leases to total assets | 55.9446% | 4,465 |
| Net loans and leases to deposits | 64.8100% | 4,617 |
| Net loans and leases to core deposits | 67.0310% | 4,838 |
| Total domestic deposits to total assets | 86.3210% | 3,074 |
| Equity capital to assets | 9.5018% | 5,205 |
| Core capital (leverage) ratio | 8.2070% | 6,137 |
| Tier 1 risk-based capital ratio | 13.7628% | 4,714 |
| Total risk-based capital ratio | 14.3670% | 5,114 |
| Memoranda: | ||
| Average total assets | $803,406,250 | 821 |
| Average earning assets | $736,575,000 | 818 |
| Average equity | $74,924,500 | 947 |
| Average total loans | $459,307,750 | 901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1578% | 5,094 |
| Cost of funding earning assets | 0.7074% | 3,957 |
| Net interest margin | 3.4504% | 4,878 |
| Noninterest income to average assets | 0.8878% | 1,827 |
| Noninterest expense to average assets | 2.6592% | 4,570 |
| Loan and lease loss provision to assets | 0.0765% | 4,660 |
| Net operating income to assets | 0.9785% | 2,550 |
| Return on assets (ROA) | 1.0617% | 2,427 |
| Pretax return on assets | 1.4263% | 2,101 |
| Return on Equity (ROE) | 11.4581% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.1435% | 2,023 |
| Net charge-offs to loans | 0.1239% | 3,934 |
| Credit loss provision to net charge-offs | 107.3684% | 2,540 |
| Earnings coverage of net charge-offs (x) | 19.5228% | 1,434 |
| Efficiency ratio | 65.4881% | 4,624 |
| Assets per employee ($millions) | 3.5795% | 4,791 |
| Cash dividends to net income (ytd only)* | 37.6559% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 6,892 |
| Loan loss allowance to noncurrent loans | 88.9157% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 5,131 |
| Noncurrent loans to loans | 0.7193% | 5,070 |
| Net loans and leases to total assets | 55.4667% | 4,549 |
| Net loans and leases to deposits | 64.4842% | 4,698 |
| Net loans and leases to core deposits | 66.8304% | 4,912 |
| Total domestic deposits to total assets | 86.0160% | 3,349 |
| Equity capital to assets | 9.1553% | 5,510 |
| Core capital (leverage) ratio | 8.1063% | 6,157 |
| Tier 1 risk-based capital ratio | 13.3448% | 4,932 |
| Total risk-based capital ratio | 13.9553% | 5,383 |
| Memoranda: | ||
| Average total assets | $800,380,330 | 827 |
| Average earning assets | $733,418,000 | 822 |
| Average equity | $74,165,670 | 947 |
| Average total loans | $459,941,330 | 893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2822% | 4,804 |
| Cost of funding earning assets | 0.7341% | 3,995 |
| Net interest margin | 3.5482% | 4,494 |
| Noninterest income to average assets | 0.9528% | 1,556 |
| Noninterest expense to average assets | 2.7136% | 4,379 |
| Loan and lease loss provision to assets | 0.1093% | 3,987 |
| Net operating income to assets | 1.0147% | 2,419 |
| Return on assets (ROA) | 1.1576% | 2,039 |
| Pretax return on assets | 1.5677% | 1,674 |
| Return on Equity (ROE) | 12.4145% | 1,549 |
| Retained earnings to average equity (ytd only) | 9.6896% | 1,358 |
| Net charge-offs to loans | 0.2239% | 2,802 |
| Credit loss provision to net charge-offs | 83.6576% | 2,669 |
| Earnings coverage of net charge-offs (x) | 11.3619% | 1,677 |
| Efficiency ratio | 64.4794% | 4,834 |
| Assets per employee ($millions) | 3.4830% | 5,154 |
| Cash dividends to net income (ytd only)* | 21.9491% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 6,951 |
| Loan loss allowance to noncurrent loans | 90.9950% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 5,226 |
| Noncurrent loans to loans | 0.6950% | 5,279 |
| Net loans and leases to total assets | 57.6873% | 4,091 |
| Net loans and leases to deposits | 67.1815% | 4,194 |
| Net loans and leases to core deposits | 70.9235% | 4,300 |
| Total domestic deposits to total assets | 85.8678% | 3,609 |
| Equity capital to assets | 9.3881% | 4,979 |
| Core capital (leverage) ratio | 8.1850% | 6,046 |
| Tier 1 risk-based capital ratio | 13.4350% | 4,873 |
| Total risk-based capital ratio | 14.0451% | 5,349 |
| Memoranda: | ||
| Average total assets | $787,143,500 | 844 |
| Average earning assets | $719,811,000 | 836 |
| Average equity | $73,398,000 | 950 |
| Average total loans | $459,121,500 | 895 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 5,079 |
| Cost of funding earning assets | 0.8970% | 4,144 |
| Net interest margin | 3.6015% | 4,724 |
| Noninterest income to average assets | 0.8479% | 1,852 |
| Noninterest expense to average assets | 2.7783% | 4,435 |
| Loan and lease loss provision to assets | 0.2672% | 3,543 |
| Net operating income to assets | 0.8317% | 2,906 |
| Return on assets (ROA) | 0.9241% | 2,629 |
| Pretax return on assets | 1.2021% | 2,448 |
| Return on Equity (ROE) | 10.0410% | 2,045 |
| Retained earnings to average equity (ytd only) | 0.8686% | 5,455 |
| Net charge-offs to loans | 0.3933% | 3,450 |
| Credit loss provision to net charge-offs | 116.1201% | 2,797 |
| Earnings coverage of net charge-offs (x) | 5.8644% | 2,661 |
| Efficiency ratio | 67.1325% | 4,547 |
| Assets per employee ($millions) | 3.3495% | 5,381 |
| Cash dividends to net income (ytd only)* | 91.3495% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 6,978 |
| Loan loss allowance to noncurrent loans | 79.0880% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 5,287 |
| Noncurrent loans to loans | 0.8034% | 5,085 |
| Net loans and leases to total assets | 58.2283% | 4,329 |
| Net loans and leases to deposits | 68.9372% | 4,287 |
| Net loans and leases to core deposits | 72.9311% | 4,386 |
| Total domestic deposits to total assets | 84.4658% | 4,113 |
| Equity capital to assets | 9.2611% | 5,198 |
| Core capital (leverage) ratio | 7.9031% | 6,357 |
| Tier 1 risk-based capital ratio | 12.9379% | 5,123 |
| Total risk-based capital ratio | 13.5509% | 5,588 |
| Memoranda: | ||
| Average total assets | $781,856,400 | 843 |
| Average earning assets | $712,001,200 | 834 |
| Average equity | $71,955,000 | 937 |
| Average total loans | $457,359,600 | 912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5390% | 5,130 |
| Cost of funding earning assets | 0.9347% | 4,164 |
| Net interest margin | 3.6043% | 4,749 |
| Noninterest income to average assets | 0.8789% | 1,724 |
| Noninterest expense to average assets | 2.8458% | 4,165 |
| Loan and lease loss provision to assets | 0.2521% | 3,489 |
| Net operating income to assets | 0.8157% | 3,078 |
| Return on assets (ROA) | 0.9067% | 2,850 |
| Pretax return on assets | 1.1768% | 2,708 |
| Return on Equity (ROE) | 9.8678% | 2,243 |
| Retained earnings to average equity (ytd only) | 7.0793% | 1,927 |
| Net charge-offs to loans | 0.2559% | 3,831 |
| Credit loss provision to net charge-offs | 168.4932% | 1,792 |
| Earnings coverage of net charge-offs (x) | 8.7591% | 2,130 |
| Efficiency ratio | 68.2900% | 4,262 |
| Assets per employee ($millions) | 3.5562% | 4,867 |
| Cash dividends to net income (ytd only)* | 28.2592% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 6,935 |
| Loan loss allowance to noncurrent loans | 85.5823% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 5,338 |
| Noncurrent loans to loans | 0.8424% | 5,189 |
| Net loans and leases to total assets | 55.2858% | 4,956 |
| Net loans and leases to deposits | 64.6832% | 5,088 |
| Net loans and leases to core deposits | 68.3583% | 5,139 |
| Total domestic deposits to total assets | 85.4718% | 3,513 |
| Equity capital to assets | 9.4884% | 5,111 |
| Core capital (leverage) ratio | 8.2175% | 6,114 |
| Tier 1 risk-based capital ratio | 13.7439% | 4,544 |
| Total risk-based capital ratio | 14.4290% | 4,941 |
| Memoranda: | ||
| Average total assets | $780,538,750 | 848 |
| Average earning assets | $709,801,750 | 846 |
| Average equity | $71,719,500 | 945 |
| Average total loans | $456,384,000 | 930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6073% | 4,932 |
| Cost of funding earning assets | 0.9779% | 4,107 |
| Net interest margin | 3.6294% | 4,605 |
| Noninterest income to average assets | 0.8730% | 1,738 |
| Noninterest expense to average assets | 2.9221% | 3,935 |
| Loan and lease loss provision to assets | 0.2302% | 3,609 |
| Net operating income to assets | 0.7984% | 3,087 |
| Return on assets (ROA) | 0.8831% | 2,825 |
| Pretax return on assets | 1.1373% | 2,705 |
| Return on Equity (ROE) | 9.7212% | 2,224 |
| Retained earnings to average equity (ytd only) | 6.5826% | 2,089 |
| Net charge-offs to loans | 0.1831% | 4,062 |
| Credit loss provision to net charge-offs | 211.4286% | 1,427 |
| Earnings coverage of net charge-offs (x) | 11.5643% | 1,705 |
| Efficiency ratio | 69.7167% | 4,167 |
| Assets per employee ($millions) | 3.5193% | 4,897 |
| Cash dividends to net income (ytd only)* | 32.2865% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 7,044 |
| Loan loss allowance to noncurrent loans | 82.7742% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.7379% | 5,435 |
| Noncurrent loans to loans | 0.8209% | 5,291 |
| Net loans and leases to total assets | 57.3912% | 4,746 |
| Net loans and leases to deposits | 66.8642% | 4,877 |
| Net loans and leases to core deposits | 70.7975% | 4,977 |
| Total domestic deposits to total assets | 85.8325% | 3,418 |
| Equity capital to assets | 9.1703% | 5,321 |
| Core capital (leverage) ratio | 8.0696% | 6,210 |
| Tier 1 risk-based capital ratio | 13.4837% | 4,539 |
| Total risk-based capital ratio | 14.1440% | 4,979 |
| Memoranda: | ||
| Average total assets | $771,635,000 | 868 |
| Average earning assets | $703,315,000 | 869 |
| Average equity | $70,094,330 | 969 |
| Average total loans | $458,666,670 | 945 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 4,713 |
| Cost of funding earning assets | 1.0166% | 4,078 |
| Net interest margin | 3.6402% | 4,370 |
| Noninterest income to average assets | 0.8593% | 1,817 |
| Noninterest expense to average assets | 3.1321% | 3,130 |
| Loan and lease loss provision to assets | 0.3488% | 2,469 |
| Net operating income to assets | 0.5868% | 4,103 |
| Return on assets (ROA) | 0.7154% | 3,513 |
| Pretax return on assets | 0.8661% | 3,638 |
| Return on Equity (ROE) | 7.9146% | 2,950 |
| Retained earnings to average equity (ytd only) | 1.5225% | 5,201 |
| Net charge-offs to loans | 0.3258% | 2,753 |
| Credit loss provision to net charge-offs | 177.5401% | 1,649 |
| Earnings coverage of net charge-offs (x) | 5.3957% | 2,288 |
| Efficiency ratio | 74.5395% | 3,418 |
| Assets per employee ($millions) | 3.3984% | 5,244 |
| Cash dividends to net income (ytd only)* | 80.7636% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6324% | 7,168 |
| Loan loss allowance to noncurrent loans | 79.8638% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 5,416 |
| Noncurrent loans to loans | 0.7919% | 5,450 |
| Net loans and leases to total assets | 60.2267% | 4,222 |
| Net loans and leases to deposits | 70.0571% | 4,336 |
| Net loans and leases to core deposits | 74.2761% | 4,509 |
| Total domestic deposits to total assets | 85.9680% | 3,543 |
| Equity capital to assets | 9.0045% | 5,200 |
| Core capital (leverage) ratio | 8.0986% | 6,131 |
| Tier 1 risk-based capital ratio | 12.9967% | 4,824 |
| Total risk-based capital ratio | 13.6171% | 5,372 |
| Memoranda: | ||
| Average total assets | $761,532,000 | 885 |
| Average earning assets | $697,206,000 | 875 |
| Average equity | $68,834,500 | 973 |
| Average total loans | $459,222,000 | 956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9387% | 4,840 |
| Cost of funding earning assets | 1.2127% | 4,473 |
| Net interest margin | 3.7260% | 4,244 |
| Noninterest income to average assets | 1.0568% | 1,342 |
| Noninterest expense to average assets | 2.8007% | 4,606 |
| Loan and lease loss provision to assets | 0.2224% | 5,051 |
| Net operating income to assets | 1.1181% | 1,647 |
| Return on assets (ROA) | 1.2160% | 1,452 |
| Pretax return on assets | 1.5496% | 1,252 |
| Return on Equity (ROE) | 13.7377% | 938 |
| Retained earnings to average equity (ytd only) | 8.2049% | 913 |
| Net charge-offs to loans | 0.4441% | 3,840 |
| Credit loss provision to net charge-offs | 82.4742% | 5,471 |
| Earnings coverage of net charge-offs (x) | 6.1065% | 2,438 |
| Efficiency ratio | 62.8073% | 5,552 |
| Assets per employee ($millions) | 3.5440% | 4,837 |
| Cash dividends to net income (ytd only)* | 40.2743% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5805% | 7,285 |
| Loan loss allowance to noncurrent loans | 65.0493% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8106% | 5,379 |
| Noncurrent loans to loans | 0.8923% | 5,273 |
| Net loans and leases to total assets | 59.6440% | 4,738 |
| Net loans and leases to deposits | 70.8188% | 4,711 |
| Net loans and leases to core deposits | 75.0902% | 4,841 |
| Total domestic deposits to total assets | 84.2206% | 4,263 |
| Equity capital to assets | 9.0736% | 5,034 |
| Core capital (leverage) ratio | 7.9331% | 6,283 |
| Tier 1 risk-based capital ratio | 12.9600% | 4,625 |
| Total risk-based capital ratio | 13.5222% | 5,196 |
| Memoranda: | ||
| Average total assets | $755,496,800 | 894 |
| Average earning assets | $687,447,600 | 891 |
| Average equity | $66,874,400 | 1,003 |
| Average total loans | $458,670,400 | 984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 4,918 |
| Cost of funding earning assets | 1.2372% | 4,644 |
| Net interest margin | 3.7403% | 4,229 |
| Noninterest income to average assets | 1.0689% | 1,253 |
| Noninterest expense to average assets | 2.8022% | 4,482 |
| Loan and lease loss provision to assets | 0.1744% | 5,299 |
| Net operating income to assets | 1.1809% | 1,648 |
| Return on assets (ROA) | 1.2058% | 1,660 |
| Pretax return on assets | 1.5151% | 1,572 |
| Return on Equity (ROE) | 13.7088% | 1,095 |
| Retained earnings to average equity (ytd only) | 7.0813% | 1,801 |
| Net charge-offs to loans | 0.4914% | 3,311 |
| Credit loss provision to net charge-offs | 58.2645% | 5,741 |
| Earnings coverage of net charge-offs (x) | 5.5419% | 2,722 |
| Efficiency ratio | 62.6510% | 5,496 |
| Assets per employee ($millions) | 3.4216% | 5,153 |
| Cash dividends to net income (ytd only)* | 48.3445% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4996% | 7,454 |
| Loan loss allowance to noncurrent loans | 70.5919% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 5,737 |
| Noncurrent loans to loans | 0.7077% | 5,796 |
| Net loans and leases to total assets | 58.4647% | 5,190 |
| Net loans and leases to deposits | 67.7676% | 5,449 |
| Net loans and leases to core deposits | 71.7123% | 5,550 |
| Total domestic deposits to total assets | 86.2723% | 2,934 |
| Equity capital to assets | 8.9501% | 5,650 |
| Core capital (leverage) ratio | 7.7192% | 6,650 |
| Tier 1 risk-based capital ratio | 12.4147% | 5,067 |
| Total risk-based capital ratio | 12.8973% | 5,769 |
| Memoranda: | ||
| Average total assets | $754,766,750 | 893 |
| Average earning assets | $684,427,500 | 898 |
| Average equity | $66,389,000 | 1,011 |
| Average total loans | $459,590,250 | 989 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 4,660 |
| Cost of funding earning assets | 1.2627% | 4,753 |
| Net interest margin | 3.7962% | 3,909 |
| Noninterest income to average assets | 1.1148% | 1,055 |
| Noninterest expense to average assets | 2.7715% | 4,610 |
| Loan and lease loss provision to assets | 0.1927% | 4,953 |
| Net operating income to assets | 1.2777% | 1,366 |
| Return on assets (ROA) | 1.3054% | 1,356 |
| Pretax return on assets | 1.6237% | 1,238 |
| Return on Equity (ROE) | 14.9316% | 869 |
| Retained earnings to average equity (ytd only) | 8.1877% | 1,380 |
| Net charge-offs to loans | 0.2465% | 4,114 |
| Credit loss provision to net charge-offs | 126.8078% | 3,176 |
| Earnings coverage of net charge-offs (x) | 11.7266% | 1,738 |
| Efficiency ratio | 60.7027% | 5,920 |
| Assets per employee ($millions) | 3.3206% | 5,384 |
| Cash dividends to net income (ytd only)* | 45.1653% | 1,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6852% | 7,276 |
| Loan loss allowance to noncurrent loans | 73.2729% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 0.8715% | 5,380 |
| Noncurrent loans to loans | 0.9351% | 5,424 |
| Net loans and leases to total assets | 59.0107% | 5,246 |
| Net loans and leases to deposits | 67.8513% | 5,574 |
| Net loans and leases to core deposits | 71.8136% | 5,692 |
| Total domestic deposits to total assets | 86.9707% | 2,542 |
| Equity capital to assets | 8.7379% | 5,827 |
| Core capital (leverage) ratio | 7.7680% | 6,536 |
| Tier 1 risk-based capital ratio | 12.2388% | 5,088 |
| Total risk-based capital ratio | 12.9030% | 5,588 |
| Memoranda: | ||
| Average total assets | $746,310,330 | 913 |
| Average earning assets | $675,989,000 | 913 |
| Average equity | $65,244,330 | 1,022 |
| Average total loans | $459,989,000 | 995 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 4,349 |
| Cost of funding earning assets | 1.2943% | 4,850 |
| Net interest margin | 3.8451% | 3,597 |
| Noninterest income to average assets | 0.9205% | 1,554 |
| Noninterest expense to average assets | 2.8190% | 4,410 |
| Loan and lease loss provision to assets | 0.1136% | 5,480 |
| Net operating income to assets | 1.1497% | 1,676 |
| Return on assets (ROA) | 1.1821% | 1,668 |
| Pretax return on assets | 1.5370% | 1,430 |
| Return on Equity (ROE) | 13.5178% | 1,141 |
| Retained earnings to average equity (ytd only) | 6.6497% | 2,299 |
| Net charge-offs to loans | 0.1269% | 4,207 |
| Credit loss provision to net charge-offs | 142.4658% | 2,501 |
| Earnings coverage of net charge-offs (x) | 20.1781% | 1,168 |
| Efficiency ratio | 63.4973% | 5,588 |
| Assets per employee ($millions) | 3.3886% | 5,318 |
| Cash dividends to net income (ytd only)* | 50.8083% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6655% | 7,405 |
| Loan loss allowance to noncurrent loans | 78.1210% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.8785% | 5,401 |
| Noncurrent loans to loans | 0.8518% | 5,606 |
| Net loans and leases to total assets | 62.4059% | 4,675 |
| Net loans and leases to deposits | 72.2644% | 5,012 |
| Net loans and leases to core deposits | 77.4982% | 5,086 |
| Total domestic deposits to total assets | 86.3577% | 2,958 |
| Equity capital to assets | 8.8460% | 5,473 |
| Core capital (leverage) ratio | 7.6946% | 6,631 |
| Tier 1 risk-based capital ratio | 11.9683% | 5,228 |
| Total risk-based capital ratio | 12.6176% | 5,772 |
| Memoranda: | ||
| Average total assets | $732,610,500 | 942 |
| Average earning assets | $668,175,000 | 947 |
| Average equity | $64,063,500 | 1,042 |
| Average total loans | $460,122,500 | 1,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 4,572 |
| Cost of funding earning assets | 1.5796% | 5,131 |
| Net interest margin | 3.8443% | 3,514 |
| Noninterest income to average assets | 1.0210% | 1,501 |
| Noninterest expense to average assets | 2.9454% | 4,362 |
| Loan and lease loss provision to assets | 0.2003% | 5,737 |
| Net operating income to assets | 1.0579% | 1,636 |
| Return on assets (ROA) | 1.0708% | 1,641 |
| Pretax return on assets | 1.3944% | 1,451 |
| Return on Equity (ROE) | 12.3878% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.1067% | 1,765 |
| Net charge-offs to loans | 0.1912% | 5,451 |
| Credit loss provision to net charge-offs | 160.9195% | 2,764 |
| Earnings coverage of net charge-offs (x) | 12.6793% | 1,490 |
| Efficiency ratio | 64.9358% | 5,598 |
| Assets per employee ($millions) | 3.1072% | 5,972 |
| Cash dividends to net income (ytd only)* | 58.7764% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 7,471 |
| Loan loss allowance to noncurrent loans | 77.6081% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 5,391 |
| Noncurrent loans to loans | 0.8390% | 5,614 |
| Net loans and leases to total assets | 62.3790% | 4,912 |
| Net loans and leases to deposits | 73.1796% | 5,169 |
| Net loans and leases to core deposits | 85.2123% | 5,598 |
| Total domestic deposits to total assets | 85.2409% | 3,439 |
| Equity capital to assets | 8.6432% | 5,671 |
| Core capital (leverage) ratio | 7.5523% | 6,735 |
| Tier 1 risk-based capital ratio | 11.6669% | 5,233 |
| Total risk-based capital ratio | 12.2992% | 5,838 |
| Memoranda: | ||
| Average total assets | $699,091,400 | 983 |
| Average earning assets | $636,885,800 | 982 |
| Average equity | $60,430,400 | 1,100 |
| Average total loans | $454,996,200 | 1,054 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 4,605 |
| Cost of funding earning assets | 1.6362% | 5,227 |
| Net interest margin | 3.8286% | 3,532 |
| Noninterest income to average assets | 1.0222% | 1,525 |
| Noninterest expense to average assets | 3.0288% | 3,937 |
| Loan and lease loss provision to assets | 0.1873% | 5,501 |
| Net operating income to assets | 0.9965% | 2,075 |
| Return on assets (ROA) | 0.9965% | 2,132 |
| Pretax return on assets | 1.2890% | 1,979 |
| Return on Equity (ROE) | 11.5276% | 1,481 |
| Retained earnings to average equity (ytd only) | 4.1567% | 2,960 |
| Net charge-offs to loans | 0.1878% | 4,893 |
| Credit loss provision to net charge-offs | 151.7997% | 3,156 |
| Earnings coverage of net charge-offs (x) | 11.9656% | 1,809 |
| Efficiency ratio | 67.0467% | 5,176 |
| Assets per employee ($millions) | 3.2552% | 5,506 |
| Cash dividends to net income (ytd only)* | 63.9411% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6085% | 7,565 |
| Loan loss allowance to noncurrent loans | 157.1589% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 6,025 |
| Noncurrent loans to loans | 0.3872% | 6,569 |
| Net loans and leases to total assets | 62.1461% | 5,217 |
| Net loans and leases to deposits | 71.2575% | 5,765 |
| Net loans and leases to core deposits | 83.3473% | 6,086 |
| Total domestic deposits to total assets | 87.2134% | 2,070 |
| Equity capital to assets | 8.5874% | 6,130 |
| Core capital (leverage) ratio | 7.5219% | 6,947 |
| Tier 1 risk-based capital ratio | 11.3993% | 5,537 |
| Total risk-based capital ratio | 11.9893% | 6,179 |
| Memoranda: | ||
| Average total assets | $690,542,000 | 1,003 |
| Average earning assets | $628,197,000 | 1,011 |
| Average equity | $59,693,000 | 1,127 |
| Average total loans | $453,641,250 | 1,076 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5634% | 4,262 |
| Cost of funding earning assets | 1.7112% | 5,218 |
| Net interest margin | 3.8522% | 3,332 |
| Noninterest income to average assets | 1.0600% | 1,411 |
| Noninterest expense to average assets | 3.2202% | 3,271 |
| Loan and lease loss provision to assets | 0.0906% | 6,264 |
| Net operating income to assets | 0.9667% | 2,217 |
| Return on assets (ROA) | 0.9667% | 2,323 |
| Pretax return on assets | 1.2512% | 2,158 |
| Return on Equity (ROE) | 11.1563% | 1,659 |
| Retained earnings to average equity (ytd only) | 3.6390% | 3,276 |
| Net charge-offs to loans | 0.0771% | 5,433 |
| Credit loss provision to net charge-offs | 175.8621% | 2,607 |
| Earnings coverage of net charge-offs (x) | 26.0460% | 1,100 |
| Efficiency ratio | 70.4050% | 4,699 |
| Assets per employee ($millions) | 2.9769% | 6,195 |
| Cash dividends to net income (ytd only)* | 67.3813% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 7,685 |
| Loan loss allowance to noncurrent loans | 63.3065% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.5901% | 5,941 |
| Noncurrent loans to loans | 0.9035% | 5,408 |
| Net loans and leases to total assets | 64.3307% | 4,916 |
| Net loans and leases to deposits | 73.2263% | 5,577 |
| Net loans and leases to core deposits | 86.0384% | 5,900 |
| Total domestic deposits to total assets | 87.8520% | 1,838 |
| Equity capital to assets | 8.6124% | 5,879 |
| Core capital (leverage) ratio | 7.6782% | 6,790 |
| Tier 1 risk-based capital ratio | 11.4408% | 5,454 |
| Total risk-based capital ratio | 11.9995% | 6,074 |
| Memoranda: | ||
| Average total assets | $675,494,670 | 1,043 |
| Average earning assets | $614,088,330 | 1,046 |
| Average equity | $58,532,000 | 1,155 |
| Average total loans | $451,522,330 | 1,103 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6620% | 3,981 |
| Cost of funding earning assets | 1.8110% | 5,065 |
| Net interest margin | 3.8510% | 3,245 |
| Noninterest income to average assets | 1.0641% | 1,311 |
| Noninterest expense to average assets | 3.3301% | 2,568 |
| Loan and lease loss provision to assets | 0.0592% | 6,218 |
| Net operating income to assets | 0.9161% | 2,632 |
| Return on assets (ROA) | 0.9161% | 2,774 |
| Pretax return on assets | 1.1801% | 2,689 |
| Return on Equity (ROE) | 10.5378% | 2,111 |
| Retained earnings to average equity (ytd only) | 2.8917% | 4,265 |
| Net charge-offs to loans | 0.0871% | 4,292 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 20.9286% | 1,353 |
| Efficiency ratio | 72.6924% | 4,064 |
| Assets per employee ($millions) | 2.9227% | 6,366 |
| Cash dividends to net income (ytd only)* | 72.5594% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5531% | 7,749 |
| Loan loss allowance to noncurrent loans | 61.6538% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 0.5987% | 5,681 |
| Noncurrent loans to loans | 0.8971% | 5,210 |
| Net loans and leases to total assets | 65.7243% | 4,650 |
| Net loans and leases to deposits | 74.9372% | 5,352 |
| Net loans and leases to core deposits | 86.8227% | 5,844 |
| Total domestic deposits to total assets | 87.7058% | 1,886 |
| Equity capital to assets | 8.7843% | 5,646 |
| Core capital (leverage) ratio | 7.8107% | 6,734 |
| Tier 1 risk-based capital ratio | 11.4963% | 5,420 |
| Total risk-based capital ratio | 12.0359% | 6,013 |
| Memoranda: | ||
| Average total assets | $661,970,500 | 1,070 |
| Average earning assets | $602,544,000 | 1,068 |
| Average equity | $57,545,000 | 1,180 |
| Average total loans | $450,008,000 | 1,117 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0196% | 5,451 |
| Cost of funding earning assets | 2.3531% | 4,914 |
| Net interest margin | 3.6665% | 4,616 |
| Noninterest income to average assets | 1.0783% | 1,356 |
| Noninterest expense to average assets | 2.9236% | 4,364 |
| Loan and lease loss provision to assets | 0.0983% | 6,128 |
| Net operating income to assets | 1.0284% | 2,437 |
| Return on assets (ROA) | 1.0285% | 2,325 |
| Pretax return on assets | 1.3726% | 2,050 |
| Return on Equity (ROE) | 11.7154% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.7679% | 2,790 |
| Net charge-offs to loans | 0.1381% | 4,840 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 14.9597% | 1,979 |
| Efficiency ratio | 65.6033% | 5,207 |
| Assets per employee ($millions) | 2.8456% | 6,461 |
| Cash dividends to net income (ytd only)* | 67.8384% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5438% | 7,775 |
| Loan loss allowance to noncurrent loans | 79.9482% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,770 |
| Noncurrent loans to loans | 0.6802% | 5,337 |
| Net loans and leases to total assets | 69.5667% | 4,124 |
| Net loans and leases to deposits | 77.8834% | 5,359 |
| Net loans and leases to core deposits | 89.7238% | 5,827 |
| Total domestic deposits to total assets | 89.3215% | 911 |
| Equity capital to assets | 8.5980% | 5,941 |
| Core capital (leverage) ratio | 7.9071% | 6,645 |
| Tier 1 risk-based capital ratio | 11.6417% | 5,110 |
| Total risk-based capital ratio | 12.1926% | 5,693 |
| Memoranda: | ||
| Average total assets | $630,635,600 | 1,062 |
| Average earning assets | $570,349,000 | 1,084 |
| Average equity | $55,363,000 | 1,217 |
| Average total loans | $448,829,400 | 1,071 |