Home > Leader Bank > Performance and Condition Ratios
Leader 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 | 4.5252% | 3,049 |
| Cost of funding earning assets | 2.5814% | 309 |
| Net interest margin | 1.9438% | 4,427 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.6580% | 4,186 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4243% | 3,817 |
| Return on assets (ROA) | 0.4243% | 3,816 |
| Pretax return on assets | 0.5809% | 3,671 |
| Return on Equity (ROE) | 3.7800% | 3,922 |
| Retained earnings to average equity (ytd only) | 3.5652% | 3,100 |
| Net charge-offs to loans | 0.0023% | 2,723 |
| Credit loss provision to net charge-offs | 3,376.0000% | 148 |
| Earnings coverage of net charge-offs (x) | 361.9600% | 378 |
| Efficiency ratio | 71.8497% | 1,673 |
| Assets per employee ($millions) | 12.1157% | 404 |
| Cash dividends to net income (ytd only)* | 5.6392% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 3,625 |
| Loan loss allowance to noncurrent loans | 3,274.3827% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 3,580 |
| Noncurrent loans to loans | 0.0283% | 3,538 |
| Net loans and leases to total assets | 76.7700% | 1,007 |
| Net loans and leases to deposits | 93.0806% | 1,008 |
| Net loans and leases to core deposits | 112.8880% | 851 |
| Total domestic deposits to total assets | 82.4700% | 3,034 |
| Equity capital to assets | 10.7883% | 1,590 |
| Core capital (leverage) ratio | 11.6853% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6515% | 721 |
| Memoranda: | ||
| Average total assets | $4,179,110,600 | 313 |
| Average earning assets | $4,038,061,400 | 295 |
| Average equity | $469,346,800 | 276 |
| Average total loans | $3,258,040,000 | 282 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 3,074 |
| Cost of funding earning assets | 2.4227% | 323 |
| Net interest margin | 1.9936% | 4,443 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 1.7221% | 4,089 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.4111% | 3,947 |
| Return on assets (ROA) | 0.4111% | 3,938 |
| Pretax return on assets | 0.5654% | 3,796 |
| Return on Equity (ROE) | 3.6200% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.6224% | 3,350 |
| Net charge-offs to loans | 0.0014% | 2,560 |
| Credit loss provision to net charge-offs | 6,042.4242% | 89 |
| Earnings coverage of net charge-offs (x) | 605.7879% | 257 |
| Efficiency ratio | 72.6697% | 1,490 |
| Assets per employee ($millions) | 12.0374% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 3,642 |
| Loan loss allowance to noncurrent loans | 3,721.0214% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 3,632 |
| Noncurrent loans to loans | 0.0249% | 3,592 |
| Net loans and leases to total assets | 77.9100% | 896 |
| Net loans and leases to deposits | 95.4680% | 785 |
| Net loans and leases to core deposits | 116.2001% | 654 |
| Total domestic deposits to total assets | 81.6100% | 3,293 |
| Equity capital to assets | 11.0250% | 1,336 |
| Core capital (leverage) ratio | 12.0926% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6271% | 740 |
| Memoranda: | ||
| Average total assets | $4,115,303,000 | 315 |
| Average earning assets | $3,972,583,000 | 300 |
| Average equity | $467,086,000 | 283 |
| Average total loans | $3,213,570,500 | 290 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 3,072 |
| Cost of funding earning assets | 2.2906% | 283 |
| Net interest margin | 2.0232% | 4,491 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.7808% | 4,034 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.3850% | 4,030 |
| Return on assets (ROA) | 0.3850% | 4,042 |
| Pretax return on assets | 0.5293% | 3,913 |
| Return on Equity (ROE) | 3.3600% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.3585% | 3,385 |
| Net charge-offs to loans | 0.0021% | 2,294 |
| Credit loss provision to net charge-offs | 2,760.6061% | 202 |
| Earnings coverage of net charge-offs (x) | 354.3636% | 400 |
| Efficiency ratio | 75.5335% | 1,215 |
| Assets per employee ($millions) | 11.9337% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 3,692 |
| Loan loss allowance to noncurrent loans | 12,196.7742% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,807 |
| Noncurrent loans to loans | 0.0076% | 3,748 |
| Net loans and leases to total assets | 76.3000% | 1,019 |
| Net loans and leases to deposits | 91.4257% | 1,068 |
| Net loans and leases to core deposits | 107.5825% | 922 |
| Total domestic deposits to total assets | 83.4600% | 2,944 |
| Equity capital to assets | 11.1490% | 1,319 |
| Core capital (leverage) ratio | 12.1787% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0454% | 715 |
| Memoranda: | ||
| Average total assets | $4,054,618,333 | 308 |
| Average earning assets | $3,917,440,000 | 296 |
| Average equity | $464,854,000 | 275 |
| Average total loans | $3,158,298,333 | 283 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2344% | 2,965 |
| Cost of funding earning assets | 2.1298% | 221 |
| Net interest margin | 2.1046% | 4,532 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.8078% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3813% | 4,116 |
| Return on assets (ROA) | 0.3813% | 4,066 |
| Pretax return on assets | 0.5242% | 3,960 |
| Return on Equity (ROE) | 3.2800% | 4,146 |
| Retained earnings to average equity (ytd only) | 3.2773% | 3,445 |
| Net charge-offs to loans | 0.0041% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 162.3125% | 583 |
| Efficiency ratio | 77.5229% | 1,044 |
| Assets per employee ($millions) | 10.2031% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9449% | 3,736 |
| Loan loss allowance to noncurrent loans | 40,189.0411% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,910 |
| Noncurrent loans to loans | 0.0024% | 3,847 |
| Net loans and leases to total assets | 76.5100% | 926 |
| Net loans and leases to deposits | 89.5271% | 1,087 |
| Net loans and leases to core deposits | 104.3763% | 904 |
| Total domestic deposits to total assets | 85.4600% | 2,735 |
| Equity capital to assets | 11.5455% | 1,139 |
| Core capital (leverage) ratio | 12.3210% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8091% | 759 |
| Memoranda: | ||
| Average total assets | $3,963,687,000 | 322 |
| Average earning assets | $3,831,841,500 | 308 |
| Average equity | $461,117,500 | 282 |
| Average total loans | $3,106,011,500 | 294 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5360% | 2,982 |
| Cost of funding earning assets | 0.9092% | 242 |
| Net interest margin | 2.6268% | 4,140 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 1.8882% | 3,853 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.7881% | 3,365 |
| Return on assets (ROA) | 0.6361% | 3,739 |
| Pretax return on assets | 0.8637% | 3,447 |
| Return on Equity (ROE) | 5.5800% | 3,913 |
| Retained earnings to average equity (ytd only) | 2.5312% | 3,846 |
| Net charge-offs to loans | 0.0007% | 2,567 |
| Credit loss provision to net charge-offs | 29,865.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 2,212.0500% | 74 |
| Efficiency ratio | 60.7302% | 2,954 |
| Assets per employee ($millions) | 9.9685% | 682 |
| Cash dividends to net income (ytd only)* | 54.6661% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 3,617 |
| Loan loss allowance to noncurrent loans | 10,602.8881% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 3,840 |
| Noncurrent loans to loans | 0.0089% | 3,792 |
| Net loans and leases to total assets | 78.7600% | 723 |
| Net loans and leases to deposits | 92.2332% | 902 |
| Net loans and leases to core deposits | 101.2832% | 935 |
| Total domestic deposits to total assets | 85.3900% | 2,886 |
| Equity capital to assets | 11.7048% | 1,020 |
| Core capital (leverage) ratio | 12.4911% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7055% | 759 |
| Memoranda: | ||
| Average total assets | $3,623,395,200 | 332 |
| Average earning assets | $3,500,036,400 | 320 |
| Average equity | $412,804,400 | 297 |
| Average total loans | $2,731,310,000 | 300 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3522% | 3,041 |
| Cost of funding earning assets | 0.6740% | 302 |
| Net interest margin | 2.6782% | 3,973 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 1.9086% | 3,734 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 0.8480% | 3,076 |
| Return on assets (ROA) | 0.8771% | 2,946 |
| Pretax return on assets | 1.1918% | 2,403 |
| Return on Equity (ROE) | 7.7600% | 3,396 |
| Retained earnings to average equity (ytd only) | 3.5744% | 3,592 |
| Net charge-offs to loans | 0.0010% | 2,287 |
| Credit loss provision to net charge-offs | 23,170.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,770.3500% | 73 |
| Efficiency ratio | 58.9522% | 3,259 |
| Assets per employee ($millions) | 9.9453% | 667 |
| Cash dividends to net income (ytd only)* | 53.9199% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 3,674 |
| Loan loss allowance to noncurrent loans | 10,537.9699% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 3,933 |
| Noncurrent loans to loans | 0.0091% | 3,883 |
| Net loans and leases to total assets | 74.7800% | 1,033 |
| Net loans and leases to deposits | 86.9356% | 1,109 |
| Net loans and leases to core deposits | 93.6597% | 1,114 |
| Total domestic deposits to total assets | 86.0200% | 3,064 |
| Equity capital to assets | 11.6018% | 969 |
| Core capital (leverage) ratio | 12.2212% | 1,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5148% | 679 |
| Memoranda: | ||
| Average total assets | $3,552,335,250 | 340 |
| Average earning assets | $3,430,341,000 | 322 |
| Average equity | $401,660,500 | 305 |
| Average total loans | $2,637,360,500 | 303 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1159% | 3,267 |
| Cost of funding earning assets | 0.4260% | 779 |
| Net interest margin | 2.6898% | 3,720 |
| Noninterest income to average assets | 0.8038% | 1,033 |
| Noninterest expense to average assets | 2.0232% | 3,374 |
| Loan and lease loss provision to assets | 0.2092% | 385 |
| Net operating income to assets | 0.8654% | 2,709 |
| Return on assets (ROA) | 0.9095% | 2,511 |
| Pretax return on assets | 1.2280% | 1,971 |
| Return on Equity (ROE) | 8.1233% | 2,986 |
| Retained earnings to average equity (ytd only) | 1.5806% | 3,862 |
| Net charge-offs to loans | 0.0023% | 2,017 |
| Credit loss provision to net charge-offs | 12,410.3448% | 43 |
| Earnings coverage of net charge-offs (x) | 819.3793% | 166 |
| Efficiency ratio | 59.4256% | 3,377 |
| Assets per employee ($millions) | 10.0099% | 655 |
| Cash dividends to net income (ytd only)* | 80.5421% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 3,812 |
| Loan loss allowance to noncurrent loans | 19,004.9296% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 4,027 |
| Noncurrent loans to loans | 0.0050% | 3,958 |
| Net loans and leases to total assets | 69.8899% | 1,309 |
| Net loans and leases to deposits | 80.4627% | 1,350 |
| Net loans and leases to core deposits | 86.0535% | 1,335 |
| Total domestic deposits to total assets | 86.8599% | 2,989 |
| Equity capital to assets | 11.1966% | 1,136 |
| Core capital (leverage) ratio | 13.3604% | 742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9293% | 633 |
| Memoranda: | ||
| Average total assets | $3,440,236,667 | 347 |
| Average earning assets | $3,326,372,667 | 330 |
| Average equity | $385,163,000 | 319 |
| Average total loans | $2,537,798,333 | 308 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1223% | 2,904 |
| Cost of funding earning assets | 0.3406% | 1,280 |
| Net interest margin | 2.7817% | 3,194 |
| Noninterest income to average assets | 1.0481% | 625 |
| Noninterest expense to average assets | 2.2607% | 2,652 |
| Loan and lease loss provision to assets | 0.1031% | 805 |
| Net operating income to assets | 1.0234% | 1,788 |
| Return on assets (ROA) | 1.1201% | 1,466 |
| Pretax return on assets | 1.4966% | 1,028 |
| Return on Equity (ROE) | 10.0049% | 1,969 |
| Retained earnings to average equity (ytd only) | 10.0049% | 1,021 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4780% | 3,438 |
| Assets per employee ($millions) | 7.9195% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,666 |
| Loan loss allowance to noncurrent loans | 5,015.7350% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 3,908 |
| Noncurrent loans to loans | 0.0202% | 3,851 |
| Net loans and leases to total assets | 73.9889% | 658 |
| Net loans and leases to deposits | 85.0032% | 805 |
| Net loans and leases to core deposits | 91.2486% | 856 |
| Total domestic deposits to total assets | 87.0425% | 2,910 |
| Equity capital to assets | 10.8462% | 1,410 |
| Core capital (leverage) ratio | 11.6784% | 1,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8527% | 923 |
| Memoranda: | ||
| Average total assets | $3,138,355,500 | 374 |
| Average earning assets | $3,034,816,000 | 357 |
| Average equity | $351,349,500 | 359 |
| Average total loans | $2,380,031,500 | 318 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3860% | 2,968 |
| Cost of funding earning assets | 0.4307% | 1,326 |
| Net interest margin | 2.9552% | 3,303 |
| Noninterest income to average assets | 2.7852% | 201 |
| Noninterest expense to average assets | 2.2880% | 2,830 |
| Loan and lease loss provision to assets | 0.2261% | 445 |
| Net operating income to assets | 2.2538% | 223 |
| Return on assets (ROA) | 2.3019% | 217 |
| Pretax return on assets | 3.1663% | 124 |
| Return on Equity (ROE) | 18.1477% | 450 |
| Retained earnings to average equity (ytd only) | 16.9141% | 128 |
| Net charge-offs to loans | -0.0007% | 3,253 |
| Credit loss provision to net charge-offs | -39,486.6667% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7157% | 4,672 |
| Assets per employee ($millions) | 7.6358% | 1,533 |
| Cash dividends to net income (ytd only)* | 6.7979% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9887% | 3,794 |
| Loan loss allowance to noncurrent loans | 4,609.6457% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,975 |
| Noncurrent loans to loans | 0.0214% | 3,914 |
| Net loans and leases to total assets | 76.2100% | 506 |
| Net loans and leases to deposits | 88.1976% | 640 |
| Net loans and leases to core deposits | 96.5227% | 669 |
| Total domestic deposits to total assets | 86.4083% | 2,757 |
| Equity capital to assets | 11.5583% | 1,478 |
| Core capital (leverage) ratio | 12.2513% | 1,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4794% | 827 |
| Memoranda: | ||
| Average total assets | $2,620,134,000 | 422 |
| Average earning assets | $2,512,853,800 | 404 |
| Average equity | $332,344,400 | 368 |
| Average total loans | $2,089,883,600 | 351 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3667% | 3,197 |
| Cost of funding earning assets | 0.4568% | 1,308 |
| Net interest margin | 2.9099% | 3,532 |
| Noninterest income to average assets | 3.3979% | 171 |
| Noninterest expense to average assets | 2.3003% | 2,753 |
| Loan and lease loss provision to assets | 0.2236% | 442 |
| Net operating income to assets | 2.6516% | 182 |
| Return on assets (ROA) | 2.6985% | 174 |
| Pretax return on assets | 3.7133% | 103 |
| Return on Equity (ROE) | 20.7102% | 377 |
| Retained earnings to average equity (ytd only) | 19.8935% | 133 |
| Net charge-offs to loans | 0.0018% | 2,337 |
| Credit loss provision to net charge-offs | 15,007.1429% | 48 |
| Earnings coverage of net charge-offs (x) | 2,602.7500% | 54 |
| Efficiency ratio | 37.2340% | 4,787 |
| Assets per employee ($millions) | 7.0779% | 1,814 |
| Cash dividends to net income (ytd only)* | 3.9435% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 4,049 |
| Loan loss allowance to noncurrent loans | 9,214.0426% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 4,191 |
| Noncurrent loans to loans | 0.0102% | 4,134 |
| Net loans and leases to total assets | 82.6140% | 162 |
| Net loans and leases to deposits | 98.4211% | 264 |
| Net loans and leases to core deposits | 111.7211% | 293 |
| Total domestic deposits to total assets | 83.9393% | 3,472 |
| Equity capital to assets | 12.5223% | 1,164 |
| Core capital (leverage) ratio | 13.0659% | 829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,505,858,750 | 438 |
| Average earning assets | $2,393,907,500 | 422 |
| Average equity | $326,511,250 | 373 |
| Average total loans | $2,020,209,750 | 362 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3740% | 3,252 |
| Cost of funding earning assets | 0.4812% | 1,312 |
| Net interest margin | 2.8928% | 3,591 |
| Noninterest income to average assets | 4.0714% | 138 |
| Noninterest expense to average assets | 2.3642% | 2,571 |
| Loan and lease loss provision to assets | 0.2270% | 463 |
| Net operating income to assets | 3.0710% | 117 |
| Return on assets (ROA) | 3.1051% | 120 |
| Pretax return on assets | 4.2761% | 81 |
| Return on Equity (ROE) | 23.4803% | 240 |
| Retained earnings to average equity (ytd only) | 22.2285% | 105 |
| Net charge-offs to loans | 0.0029% | 2,086 |
| Credit loss provision to net charge-offs | 9,796.4286% | 62 |
| Earnings coverage of net charge-offs (x) | 1,924.3929% | 58 |
| Efficiency ratio | 34.6445% | 4,862 |
| Assets per employee ($millions) | 6.7988% | 1,939 |
| Cash dividends to net income (ytd only)* | 5.3313% | 2,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,027 |
| Loan loss allowance to noncurrent loans | 4,260.3376% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 4,163 |
| Noncurrent loans to loans | 0.0221% | 4,111 |
| Net loans and leases to total assets | 80.2732% | 300 |
| Net loans and leases to deposits | 95.9308% | 386 |
| Net loans and leases to core deposits | 106.7568% | 447 |
| Total domestic deposits to total assets | 83.6783% | 3,525 |
| Equity capital to assets | 12.6580% | 1,061 |
| Core capital (leverage) ratio | 13.8628% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5181% | 755 |
| Memoranda: | ||
| Average total assets | $2,416,293,000 | 448 |
| Average earning assets | $2,299,299,333 | 433 |
| Average equity | $319,536,000 | 376 |
| Average total loans | $1,922,337,667 | 375 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 3,190 |
| Cost of funding earning assets | 0.5128% | 1,316 |
| Net interest margin | 2.8891% | 3,554 |
| Noninterest income to average assets | 4.9380% | 122 |
| Noninterest expense to average assets | 2.4451% | 2,341 |
| Loan and lease loss provision to assets | 0.1805% | 685 |
| Net operating income to assets | 3.6705% | 96 |
| Return on assets (ROA) | 3.7126% | 99 |
| Pretax return on assets | 5.1156% | 71 |
| Return on Equity (ROE) | 27.3975% | 194 |
| Retained earnings to average equity (ytd only) | 27.3975% | 101 |
| Net charge-offs to loans | 0.0128% | 1,488 |
| Credit loss provision to net charge-offs | 1,787.9310% | 267 |
| Earnings coverage of net charge-offs (x) | 519.4655% | 182 |
| Efficiency ratio | 31.8040% | 4,894 |
| Assets per employee ($millions) | 6.6110% | 2,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 3,906 |
| Loan loss allowance to noncurrent loans | 1,643.6331% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 4,041 |
| Noncurrent loans to loans | 0.0598% | 3,987 |
| Net loans and leases to total assets | 76.7967% | 558 |
| Net loans and leases to deposits | 94.7091% | 454 |
| Net loans and leases to core deposits | 102.2617% | 625 |
| Total domestic deposits to total assets | 81.0870% | 4,052 |
| Equity capital to assets | 13.1177% | 881 |
| Core capital (leverage) ratio | 13.9579% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6660% | 541 |
| Memoranda: | ||
| Average total assets | $2,298,674,500 | 461 |
| Average earning assets | $2,187,973,500 | 448 |
| Average equity | $311,488,500 | 380 |
| Average total loans | $1,809,175,500 | 394 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 3,455 |
| Cost of funding earning assets | 0.9267% | 780 |
| Net interest margin | 2.8203% | 4,233 |
| Noninterest income to average assets | 5.4447% | 106 |
| Noninterest expense to average assets | 2.6756% | 2,309 |
| Loan and lease loss provision to assets | 0.4937% | 506 |
| Net operating income to assets | 3.5972% | 67 |
| Return on assets (ROA) | 3.7272% | 65 |
| Pretax return on assets | 5.1300% | 54 |
| Return on Equity (ROE) | 32.4843% | 55 |
| Retained earnings to average equity (ytd only) | 23.8737% | 43 |
| Net charge-offs to loans | 0.2312% | 754 |
| Credit loss provision to net charge-offs | 259.2341% | 1,892 |
| Earnings coverage of net charge-offs (x) | 28.6640% | 1,653 |
| Efficiency ratio | 32.0964% | 4,949 |
| Assets per employee ($millions) | 6.8916% | 1,651 |
| Cash dividends to net income (ytd only)* | 26.5072% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,848 |
| Loan loss allowance to noncurrent loans | 1,150.6912% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 3,995 |
| Noncurrent loans to loans | 0.0872% | 3,942 |
| Net loans and leases to total assets | 79.1754% | 487 |
| Net loans and leases to deposits | 99.1001% | 411 |
| Net loans and leases to core deposits | 108.7193% | 550 |
| Total domestic deposits to total assets | 79.8944% | 4,058 |
| Equity capital to assets | 14.0320% | 787 |
| Core capital (leverage) ratio | 14.5698% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8145% | 517 |
| Memoranda: | ||
| Average total assets | $1,933,270,000 | 484 |
| Average earning assets | $1,843,971,000 | 475 |
| Average equity | $221,817,600 | 465 |
| Average total loans | $1,592,383,000 | 423 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 3,754 |
| Cost of funding earning assets | 1.0216% | 709 |
| Net interest margin | 2.6991% | 4,463 |
| Noninterest income to average assets | 5.3614% | 107 |
| Noninterest expense to average assets | 2.4631% | 2,954 |
| Loan and lease loss provision to assets | 0.5239% | 545 |
| Net operating income to assets | 3.5976% | 65 |
| Return on assets (ROA) | 3.7564% | 60 |
| Pretax return on assets | 5.1477% | 51 |
| Return on Equity (ROE) | 35.0096% | 44 |
| Retained earnings to average equity (ytd only) | 28.7040% | 36 |
| Net charge-offs to loans | 0.2381% | 643 |
| Credit loss provision to net charge-offs | 264.8902% | 1,877 |
| Earnings coverage of net charge-offs (x) | 27.6611% | 1,656 |
| Efficiency ratio | 30.8977% | 4,987 |
| Assets per employee ($millions) | 6.6652% | 1,700 |
| Cash dividends to net income (ytd only)* | 18.0108% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 3,924 |
| Loan loss allowance to noncurrent loans | 496.6268% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1631% | 3,602 |
| Noncurrent loans to loans | 0.1896% | 3,633 |
| Net loans and leases to total assets | 85.2218% | 195 |
| Net loans and leases to deposits | 106.9300% | 296 |
| Net loans and leases to core deposits | 115.7086% | 509 |
| Total domestic deposits to total assets | 79.6987% | 3,928 |
| Equity capital to assets | 11.2850% | 2,161 |
| Core capital (leverage) ratio | 11.5529% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3774% | 1,164 |
| Memoranda: | ||
| Average total assets | $1,872,154,000 | 494 |
| Average earning assets | $1,784,160,250 | 481 |
| Average equity | $200,877,250 | 493 |
| Average total loans | $1,555,051,750 | 427 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7844% | 3,901 |
| Cost of funding earning assets | 1.1100% | 698 |
| Net interest margin | 2.6744% | 4,581 |
| Noninterest income to average assets | 5.3115% | 97 |
| Noninterest expense to average assets | 2.3628% | 3,364 |
| Loan and lease loss provision to assets | 0.5936% | 537 |
| Net operating income to assets | 3.5725% | 60 |
| Return on assets (ROA) | 3.7412% | 57 |
| Pretax return on assets | 5.1241% | 41 |
| Return on Equity (ROE) | 35.4987% | 42 |
| Retained earnings to average equity (ytd only) | 25.8557% | 41 |
| Net charge-offs to loans | 0.3619% | 441 |
| Credit loss provision to net charge-offs | 200.1474% | 1,909 |
| Earnings coverage of net charge-offs (x) | 18.5590% | 1,758 |
| Efficiency ratio | 29.8815% | 5,016 |
| Assets per employee ($millions) | 7.3097% | 1,273 |
| Cash dividends to net income (ytd only)* | 27.1644% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 4,021 |
| Loan loss allowance to noncurrent loans | 869.7816% | 633 |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 4,110 |
| Noncurrent loans to loans | 0.1028% | 4,040 |
| Net loans and leases to total assets | 79.6117% | 638 |
| Net loans and leases to deposits | 98.5367% | 628 |
| Net loans and leases to core deposits | 112.0958% | 661 |
| Total domestic deposits to total assets | 80.7940% | 3,657 |
| Equity capital to assets | 10.3960% | 2,841 |
| Core capital (leverage) ratio | 10.5007% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0394% | 1,241 |
| Memoranda: | ||
| Average total assets | $1,830,204,333 | 501 |
| Average earning assets | $1,748,824,333 | 485 |
| Average equity | $192,885,667 | 514 |
| Average total loans | $1,499,986,333 | 437 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9732% | 3,866 |
| Cost of funding earning assets | 1.2219% | 710 |
| Net interest margin | 2.7513% | 4,618 |
| Noninterest income to average assets | 2.9507% | 157 |
| Noninterest expense to average assets | 2.4045% | 3,533 |
| Loan and lease loss provision to assets | 0.6725% | 393 |
| Net operating income to assets | 1.8292% | 385 |
| Return on assets (ROA) | 2.0438% | 274 |
| Pretax return on assets | 2.7852% | 112 |
| Return on Equity (ROE) | 19.2435% | 200 |
| Retained earnings to average equity (ytd only) | 19.2435% | 72 |
| Net charge-offs to loans | 0.0119% | 2,155 |
| Credit loss provision to net charge-offs | 6,832.5581% | 112 |
| Earnings coverage of net charge-offs (x) | 323.6977% | 214 |
| Efficiency ratio | 42.7858% | 4,920 |
| Assets per employee ($millions) | 7.7400% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,789 |
| Loan loss allowance to noncurrent loans | 381.6675% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 3,688 |
| Noncurrent loans to loans | 0.2579% | 3,570 |
| Net loans and leases to total assets | 76.3660% | 1,237 |
| Net loans and leases to deposits | 96.5540% | 853 |
| Net loans and leases to core deposits | 126.4950% | 325 |
| Total domestic deposits to total assets | 79.0914% | 4,037 |
| Equity capital to assets | 9.9801% | 3,807 |
| Core capital (leverage) ratio | 11.7813% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9654% | 1,610 |
| Memoranda: | ||
| Average total assets | $1,747,533,500 | 510 |
| Average earning assets | $1,676,737,000 | 485 |
| Average equity | $185,600,000 | 531 |
| Average total loans | $1,448,468,000 | 435 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6064% | 2,583 |
| Cost of funding earning assets | 1.4435% | 478 |
| Net interest margin | 3.1629% | 4,262 |
| Noninterest income to average assets | 2.1377% | 235 |
| Noninterest expense to average assets | 2.4315% | 3,612 |
| Loan and lease loss provision to assets | 0.1787% | 1,170 |
| Net operating income to assets | 1.8896% | 438 |
| Return on assets (ROA) | 1.9613% | 403 |
| Pretax return on assets | 2.6568% | 158 |
| Return on Equity (ROE) | 17.0615% | 414 |
| Retained earnings to average equity (ytd only) | 14.2311% | 114 |
| Net charge-offs to loans | 0.0515% | 2,380 |
| Credit loss provision to net charge-offs | 387.2247% | 726 |
| Earnings coverage of net charge-offs (x) | 59.4611% | 987 |
| Efficiency ratio | 46.6856% | 4,890 |
| Assets per employee ($millions) | 6.5156% | 1,276 |
| Cash dividends to net income (ytd only)* | 16.5889% | 3,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 4,252 |
| Loan loss allowance to noncurrent loans | 298.3817% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 3,459 |
| Noncurrent loans to loans | 0.2737% | 3,468 |
| Net loans and leases to total assets | 89.1094% | 64 |
| Net loans and leases to deposits | 119.1599% | 84 |
| Net loans and leases to core deposits | 140.5314% | 173 |
| Total domestic deposits to total assets | 74.7814% | 4,718 |
| Equity capital to assets | 11.3942% | 2,633 |
| Core capital (leverage) ratio | 11.6137% | 2,032 |
| Tier 1 risk-based capital ratio | 14.8328% | 2,854 |
| Total risk-based capital ratio | 15.8008% | 2,900 |
| Memoranda: | ||
| Average total assets | $1,475,283,800 | 561 |
| Average earning assets | $1,417,277,600 | 537 |
| Average equity | $169,592,800 | 542 |
| Average total loans | $1,321,854,400 | 459 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 2,618 |
| Cost of funding earning assets | 1.4710% | 449 |
| Net interest margin | 3.1629% | 4,376 |
| Noninterest income to average assets | 2.1370% | 239 |
| Noninterest expense to average assets | 2.4336% | 3,602 |
| Loan and lease loss provision to assets | 0.0819% | 2,271 |
| Net operating income to assets | 1.9619% | 428 |
| Return on assets (ROA) | 2.0421% | 382 |
| Pretax return on assets | 2.7597% | 159 |
| Return on Equity (ROE) | 17.7214% | 417 |
| Retained earnings to average equity (ytd only) | 15.2847% | 132 |
| Net charge-offs to loans | 0.0704% | 1,820 |
| Credit loss provision to net charge-offs | 129.9270% | 1,824 |
| Earnings coverage of net charge-offs (x) | 43.4511% | 1,295 |
| Efficiency ratio | 46.7446% | 4,905 |
| Assets per employee ($millions) | 6.4659% | 1,288 |
| Cash dividends to net income (ytd only)* | 13.7499% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 4,630 |
| Loan loss allowance to noncurrent loans | 1,287.8590% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,467 |
| Noncurrent loans to loans | 0.0552% | 4,391 |
| Net loans and leases to total assets | 89.1405% | 59 |
| Net loans and leases to deposits | 116.0171% | 122 |
| Net loans and leases to core deposits | 133.5859% | 257 |
| Total domestic deposits to total assets | 76.8339% | 4,536 |
| Equity capital to assets | 11.3927% | 2,745 |
| Core capital (leverage) ratio | 11.8054% | 1,991 |
| Tier 1 risk-based capital ratio | 14.8394% | 2,930 |
| Total risk-based capital ratio | 15.6870% | 3,025 |
| Memoranda: | ||
| Average total assets | $1,448,280,000 | 571 |
| Average earning assets | $1,390,515,250 | 549 |
| Average equity | $166,890,000 | 554 |
| Average total loans | $1,296,696,750 | 466 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 2,610 |
| Cost of funding earning assets | 1.4899% | 389 |
| Net interest margin | 3.1312% | 4,483 |
| Noninterest income to average assets | 1.5936% | 364 |
| Noninterest expense to average assets | 2.4682% | 3,578 |
| Loan and lease loss provision to assets | 0.1059% | 1,768 |
| Net operating income to assets | 1.5054% | 1,137 |
| Return on assets (ROA) | 1.5590% | 1,036 |
| Pretax return on assets | 2.0962% | 554 |
| Return on Equity (ROE) | 13.4734% | 1,107 |
| Retained earnings to average equity (ytd only) | 13.0949% | 293 |
| Net charge-offs to loans | 0.1022% | 1,362 |
| Credit loss provision to net charge-offs | 115.9196% | 1,795 |
| Earnings coverage of net charge-offs (x) | 23.3539% | 1,654 |
| Efficiency ratio | 53.2900% | 4,535 |
| Assets per employee ($millions) | 6.2326% | 1,380 |
| Cash dividends to net income (ytd only)* | 2.8087% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 4,636 |
| Loan loss allowance to noncurrent loans | 1,197.9141% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 4,495 |
| Noncurrent loans to loans | 0.0614% | 4,409 |
| Net loans and leases to total assets | 86.6698% | 168 |
| Net loans and leases to deposits | 113.4033% | 154 |
| Net loans and leases to core deposits | 137.4681% | 220 |
| Total domestic deposits to total assets | 76.4261% | 4,626 |
| Equity capital to assets | 11.1872% | 2,873 |
| Core capital (leverage) ratio | 11.7782% | 1,963 |
| Tier 1 risk-based capital ratio | 15.0068% | 2,842 |
| Total risk-based capital ratio | 15.8836% | 2,928 |
| Memoranda: | ||
| Average total assets | $1,415,925,330 | 575 |
| Average earning assets | $1,360,623,670 | 557 |
| Average equity | $163,834,330 | 560 |
| Average total loans | $1,266,465,000 | 476 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6647% | 2,336 |
| Cost of funding earning assets | 1.4866% | 340 |
| Net interest margin | 3.1781% | 4,433 |
| Noninterest income to average assets | 1.1421% | 619 |
| Noninterest expense to average assets | 2.5323% | 3,414 |
| Loan and lease loss provision to assets | 0.2364% | 638 |
| Net operating income to assets | 1.0644% | 2,604 |
| Return on assets (ROA) | 1.1189% | 2,445 |
| Pretax return on assets | 1.4920% | 1,798 |
| Return on Equity (ROE) | 9.4943% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.4943% | 1,163 |
| Net charge-offs to loans | 0.2230% | 635 |
| Credit loss provision to net charge-offs | 116.9811% | 1,434 |
| Earnings coverage of net charge-offs (x) | 8.2104% | 2,094 |
| Efficiency ratio | 60.0252% | 3,798 |
| Assets per employee ($millions) | 5.7215% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,560 |
| Loan loss allowance to noncurrent loans | 865.9876% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 4,393 |
| Noncurrent loans to loans | 0.0909% | 4,342 |
| Net loans and leases to total assets | 89.3736% | 62 |
| Net loans and leases to deposits | 120.3556% | 80 |
| Net loans and leases to core deposits | 143.8311% | 161 |
| Total domestic deposits to total assets | 74.2580% | 4,911 |
| Equity capital to assets | 11.8125% | 2,147 |
| Core capital (leverage) ratio | 12.0007% | 1,771 |
| Tier 1 risk-based capital ratio | 14.9780% | 2,898 |
| Total risk-based capital ratio | 15.8919% | 2,961 |
| Memoranda: | ||
| Average total assets | $1,363,508,000 | 601 |
| Average earning assets | $1,308,472,000 | 579 |
| Average equity | $160,686,000 | 566 |
| Average total loans | $1,235,796,500 | 490 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 2,272 |
| Cost of funding earning assets | 1.1870% | 362 |
| Net interest margin | 3.3695% | 4,079 |
| Noninterest income to average assets | 1.7568% | 318 |
| Noninterest expense to average assets | 2.5950% | 3,351 |
| Loan and lease loss provision to assets | 0.2827% | 583 |
| Net operating income to assets | 1.5582% | 974 |
| Return on assets (ROA) | 1.5741% | 931 |
| Pretax return on assets | 2.1097% | 430 |
| Return on Equity (ROE) | 14.2265% | 998 |
| Retained earnings to average equity (ytd only) | 12.4436% | 284 |
| Net charge-offs to loans | 0.2408% | 810 |
| Credit loss provision to net charge-offs | 131.2824% | 2,015 |
| Earnings coverage of net charge-offs (x) | 11.0159% | 2,665 |
| Efficiency ratio | 51.9115% | 4,806 |
| Assets per employee ($millions) | 5.5479% | 1,913 |
| Cash dividends to net income (ytd only)* | 12.5319% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 4,581 |
| Loan loss allowance to noncurrent loans | 536.0710% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,155 |
| Noncurrent loans to loans | 0.1466% | 4,085 |
| Net loans and leases to total assets | 90.4806% | 57 |
| Net loans and leases to deposits | 128.6368% | 53 |
| Net loans and leases to core deposits | 159.4182% | 92 |
| Total domestic deposits to total assets | 70.3381% | 5,146 |
| Equity capital to assets | 11.7563% | 2,061 |
| Core capital (leverage) ratio | 11.6994% | 1,950 |
| Tier 1 risk-based capital ratio | 14.6749% | 2,976 |
| Total risk-based capital ratio | 15.5802% | 3,068 |
| Memoranda: | ||
| Average total assets | $1,343,371,600 | 589 |
| Average earning assets | $1,279,950,000 | 568 |
| Average equity | $148,638,200 | 579 |
| Average total loans | $1,201,569,800 | 485 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 2,350 |
| Cost of funding earning assets | 1.1077% | 385 |
| Net interest margin | 3.3798% | 4,065 |
| Noninterest income to average assets | 2.0250% | 270 |
| Noninterest expense to average assets | 2.5774% | 3,355 |
| Loan and lease loss provision to assets | 0.3659% | 360 |
| Net operating income to assets | 1.6869% | 770 |
| Return on assets (ROA) | 1.7011% | 745 |
| Pretax return on assets | 2.3150% | 330 |
| Return on Equity (ROE) | 15.6192% | 764 |
| Retained earnings to average equity (ytd only) | 14.2967% | 222 |
| Net charge-offs to loans | 0.3211% | 520 |
| Credit loss provision to net charge-offs | 128.0153% | 1,915 |
| Earnings coverage of net charge-offs (x) | 9.3177% | 2,650 |
| Efficiency ratio | 48.8712% | 5,007 |
| Assets per employee ($millions) | 5.3911% | 2,022 |
| Cash dividends to net income (ytd only)* | 8.4677% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 4,711 |
| Loan loss allowance to noncurrent loans | 504.0063% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,255 |
| Noncurrent loans to loans | 0.1526% | 4,199 |
| Net loans and leases to total assets | 89.7239% | 83 |
| Net loans and leases to deposits | 127.2562% | 65 |
| Net loans and leases to core deposits | 156.6798% | 100 |
| Total domestic deposits to total assets | 70.5065% | 5,194 |
| Equity capital to assets | 11.2502% | 2,428 |
| Core capital (leverage) ratio | 11.0397% | 2,542 |
| Tier 1 risk-based capital ratio | 14.2753% | 3,228 |
| Total risk-based capital ratio | 15.1637% | 3,322 |
| Memoranda: | ||
| Average total assets | $1,342,181,500 | 590 |
| Average earning assets | $1,276,892,250 | 567 |
| Average equity | $146,175,000 | 584 |
| Average total loans | $1,194,597,750 | 484 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3412% | 2,623 |
| Cost of funding earning assets | 0.9965% | 477 |
| Net interest margin | 3.3447% | 4,121 |
| Noninterest income to average assets | 1.2437% | 625 |
| Noninterest expense to average assets | 2.5110% | 3,601 |
| Loan and lease loss provision to assets | 0.4800% | 239 |
| Net operating income to assets | 1.0626% | 2,743 |
| Return on assets (ROA) | 1.0804% | 2,666 |
| Pretax return on assets | 1.4513% | 1,981 |
| Return on Equity (ROE) | 10.0344% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.4763% | 1,079 |
| Net charge-offs to loans | 0.0012% | 3,175 |
| Credit loss provision to net charge-offs | 45,642.8571% | 6 |
| Earnings coverage of net charge-offs (x) | 1,815.1429% | 35 |
| Efficiency ratio | 56.4393% | 4,426 |
| Assets per employee ($millions) | 5.8666% | 1,576 |
| Cash dividends to net income (ytd only)* | 5.5617% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,244 |
| Loan loss allowance to noncurrent loans | 261.9653% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 3,536 |
| Noncurrent loans to loans | 0.3514% | 3,440 |
| Net loans and leases to total assets | 86.5985% | 220 |
| Net loans and leases to deposits | 113.1854% | 212 |
| Net loans and leases to core deposits | 158.7206% | 83 |
| Total domestic deposits to total assets | 76.5103% | 4,799 |
| Equity capital to assets | 9.8509% | 3,770 |
| Core capital (leverage) ratio | 10.9902% | 2,535 |
| Tier 1 risk-based capital ratio | 13.1175% | 3,836 |
| Total risk-based capital ratio | 14.1969% | 3,843 |
| Memoranda: | ||
| Average total assets | $1,331,334,000 | 591 |
| Average earning assets | $1,264,213,330 | 573 |
| Average equity | $143,347,000 | 590 |
| Average total loans | $1,179,342,330 | 483 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 2,359 |
| Cost of funding earning assets | 0.9293% | 519 |
| Net interest margin | 3.4196% | 3,821 |
| Noninterest income to average assets | 1.0344% | 848 |
| Noninterest expense to average assets | 2.6387% | 3,220 |
| Loan and lease loss provision to assets | 0.1431% | 1,313 |
| Net operating income to assets | 1.1114% | 2,374 |
| Return on assets (ROA) | 1.1447% | 2,254 |
| Pretax return on assets | 1.5415% | 1,560 |
| Return on Equity (ROE) | 10.1216% | 2,370 |
| Retained earnings to average equity (ytd only) | 10.1216% | 1,124 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2240% | 3,912 |
| Assets per employee ($millions) | 5.1287% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,755 |
| Loan loss allowance to noncurrent loans | 242.9137% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 3,676 |
| Noncurrent loans to loans | 0.3349% | 3,569 |
| Net loans and leases to total assets | 87.1720% | 184 |
| Net loans and leases to deposits | 120.2196% | 112 |
| Net loans and leases to core deposits | 148.5235% | 139 |
| Total domestic deposits to total assets | 72.5106% | 5,250 |
| Equity capital to assets | 11.1377% | 2,443 |
| Core capital (leverage) ratio | 11.6530% | 1,889 |
| Tier 1 risk-based capital ratio | 14.0774% | 3,338 |
| Total risk-based capital ratio | 14.9923% | 3,428 |
| Memoranda: | ||
| Average total assets | $1,254,876,500 | 631 |
| Average earning assets | $1,191,477,500 | 606 |
| Average equity | $141,914,500 | 602 |
| Average total loans | $1,120,373,500 | 511 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,233 |
| Cost of funding earning assets | 0.9174% | 344 |
| Net interest margin | 3.4129% | 3,807 |
| Noninterest income to average assets | 1.8521% | 333 |
| Noninterest expense to average assets | 2.8613% | 2,572 |
| Loan and lease loss provision to assets | 0.0879% | 2,432 |
| Net operating income to assets | 1.3481% | 1,119 |
| Return on assets (ROA) | 1.3745% | 1,089 |
| Pretax return on assets | 2.1462% | 352 |
| Return on Equity (ROE) | 12.4099% | 1,101 |
| Retained earnings to average equity (ytd only) | 10.7145% | 272 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2386% | 4,747 |
| Assets per employee ($millions) | 4.8318% | 2,695 |
| Cash dividends to net income (ytd only)* | 13.6617% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 4,856 |
| Loan loss allowance to noncurrent loans | 3,839.9123% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 5,067 |
| Noncurrent loans to loans | 0.0206% | 4,926 |
| Net loans and leases to total assets | 90.0340% | 78 |
| Net loans and leases to deposits | 122.1240% | 90 |
| Net loans and leases to core deposits | 147.7461% | 144 |
| Total domestic deposits to total assets | 73.7234% | 5,208 |
| Equity capital to assets | 11.4894% | 2,212 |
| Core capital (leverage) ratio | 11.4222% | 1,998 |
| Tier 1 risk-based capital ratio | 14.2865% | 3,205 |
| Total risk-based capital ratio | 15.8076% | 2,987 |
| Memoranda: | ||
| Average total assets | $1,160,952,200 | 644 |
| Average earning assets | $1,089,185,800 | 628 |
| Average equity | $128,582,400 | 641 |
| Average total loans | $1,030,713,800 | 527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 2,448 |
| Cost of funding earning assets | 0.9077% | 329 |
| Net interest margin | 3.3374% | 4,053 |
| Noninterest income to average assets | 1.9739% | 317 |
| Noninterest expense to average assets | 2.9052% | 2,386 |
| Loan and lease loss provision to assets | 0.0853% | 2,386 |
| Net operating income to assets | 1.2999% | 1,329 |
| Return on assets (ROA) | 1.3295% | 1,280 |
| Pretax return on assets | 2.1499% | 408 |
| Return on Equity (ROE) | 12.1246% | 1,306 |
| Retained earnings to average equity (ytd only) | 11.5408% | 337 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6530% | 4,658 |
| Assets per employee ($millions) | 4.6058% | 2,968 |
| Cash dividends to net income (ytd only)* | 4.8149% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 4,931 |
| Loan loss allowance to noncurrent loans | 2,326.3736% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,090 |
| Noncurrent loans to loans | 0.0337% | 4,968 |
| Net loans and leases to total assets | 89.0923% | 111 |
| Net loans and leases to deposits | 122.0745% | 77 |
| Net loans and leases to core deposits | 144.0582% | 164 |
| Total domestic deposits to total assets | 72.9819% | 5,312 |
| Equity capital to assets | 11.4523% | 2,419 |
| Core capital (leverage) ratio | 11.4753% | 2,036 |
| Tier 1 risk-based capital ratio | 14.4859% | 3,190 |
| Total risk-based capital ratio | 16.0325% | 2,952 |
| Memoranda: | ||
| Average total assets | $1,145,577,000 | 654 |
| Average earning assets | $1,071,063,750 | 636 |
| Average equity | $125,614,750 | 659 |
| Average total loans | $1,011,047,750 | 540 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 2,698 |
| Cost of funding earning assets | 0.8981% | 308 |
| Net interest margin | 3.2454% | 4,276 |
| Noninterest income to average assets | 1.6955% | 400 |
| Noninterest expense to average assets | 2.9358% | 2,308 |
| Loan and lease loss provision to assets | 0.0110% | 3,727 |
| Net operating income to assets | 1.0943% | 2,005 |
| Return on assets (ROA) | 1.1296% | 1,908 |
| Pretax return on assets | 1.8251% | 789 |
| Return on Equity (ROE) | 10.4674% | 1,848 |
| Retained earnings to average equity (ytd only) | 10.3030% | 535 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8282% | 4,021 |
| Assets per employee ($millions) | 4.3195% | 3,399 |
| Cash dividends to net income (ytd only)* | 1.5713% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 5,049 |
| Loan loss allowance to noncurrent loans | 3,998.4615% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 5,226 |
| Noncurrent loans to loans | 0.0190% | 5,093 |
| Net loans and leases to total assets | 86.2747% | 254 |
| Net loans and leases to deposits | 116.7393% | 142 |
| Net loans and leases to core deposits | 133.8794% | 256 |
| Total domestic deposits to total assets | 73.9038% | 5,301 |
| Equity capital to assets | 11.2907% | 2,502 |
| Core capital (leverage) ratio | 11.8484% | 1,732 |
| Tier 1 risk-based capital ratio | 14.3837% | 3,227 |
| Total risk-based capital ratio | 15.9210% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,126,727,670 | 662 |
| Average earning assets | $1,048,874,670 | 648 |
| Average equity | $121,596,000 | 681 |
| Average total loans | $988,240,670 | 548 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1367% | 2,528 |
| Cost of funding earning assets | 0.9136% | 258 |
| Net interest margin | 3.2231% | 4,268 |
| Noninterest income to average assets | 1.4750% | 496 |
| Noninterest expense to average assets | 2.9889% | 2,192 |
| Loan and lease loss provision to assets | -0.0276% | 5,684 |
| Net operating income to assets | 0.9357% | 2,579 |
| Return on assets (ROA) | 0.9908% | 2,398 |
| Pretax return on assets | 1.6055% | 1,218 |
| Return on Equity (ROE) | 9.4143% | 2,219 |
| Retained earnings to average equity (ytd only) | 9.0690% | 1,055 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2529% | 3,456 |
| Assets per employee ($millions) | 4.1415% | 3,775 |
| Cash dividends to net income (ytd only)* | 3.6684% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 5,043 |
| Loan loss allowance to noncurrent loans | 2,745.1613% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 5,220 |
| Noncurrent loans to loans | 0.0294% | 5,097 |
| Net loans and leases to total assets | 84.8534% | 301 |
| Net loans and leases to deposits | 116.4444% | 115 |
| Net loans and leases to core deposits | 136.0899% | 201 |
| Total domestic deposits to total assets | 72.8703% | 5,497 |
| Equity capital to assets | 10.5559% | 3,127 |
| Core capital (leverage) ratio | 10.3904% | 3,017 |
| Tier 1 risk-based capital ratio | 12.5018% | 4,390 |
| Total risk-based capital ratio | 14.0385% | 4,104 |
| Memoranda: | ||
| Average total assets | $1,100,485,000 | 681 |
| Average earning assets | $1,026,231,000 | 672 |
| Average equity | $115,823,500 | 712 |
| Average total loans | $969,781,000 | 563 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 2,548 |
| Cost of funding earning assets | 0.8965% | 305 |
| Net interest margin | 3.2847% | 4,191 |
| Noninterest income to average assets | 2.2235% | 294 |
| Noninterest expense to average assets | 2.8200% | 2,959 |
| Loan and lease loss provision to assets | 0.1024% | 2,335 |
| Net operating income to assets | 1.4444% | 928 |
| Return on assets (ROA) | 1.4551% | 933 |
| Pretax return on assets | 2.3863% | 234 |
| Return on Equity (ROE) | 14.2974% | 728 |
| Retained earnings to average equity (ytd only) | 1.7976% | 4,502 |
| Net charge-offs to loans | 0.0294% | 3,430 |
| Credit loss provision to net charge-offs | 392.9078% | 804 |
| Earnings coverage of net charge-offs (x) | 94.8652% | 628 |
| Efficiency ratio | 52.9046% | 5,320 |
| Assets per employee ($millions) | 4.0112% | 3,947 |
| Cash dividends to net income (ytd only)* | 87.4270% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7812% | 5,157 |
| Loan loss allowance to noncurrent loans | 1,435.0649% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 5,144 |
| Noncurrent loans to loans | 0.0544% | 5,028 |
| Net loans and leases to total assets | 90.0384% | 69 |
| Net loans and leases to deposits | 124.5034% | 58 |
| Net loans and leases to core deposits | 144.7952% | 148 |
| Total domestic deposits to total assets | 72.3180% | 5,538 |
| Equity capital to assets | 10.4931% | 3,163 |
| Core capital (leverage) ratio | 9.6946% | 3,865 |
| Tier 1 risk-based capital ratio | 11.8562% | 4,817 |
| Total risk-based capital ratio | 13.3516% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,082,250,000 | 666 |
| Average earning assets | $1,010,946,800 | 655 |
| Average equity | $110,145,800 | 728 |
| Average total loans | $959,838,400 | 528 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1506% | 2,681 |
| Cost of funding earning assets | 0.8892% | 310 |
| Net interest margin | 3.2614% | 4,308 |
| Noninterest income to average assets | 2.4156% | 269 |
| Noninterest expense to average assets | 2.7713% | 3,108 |
| Loan and lease loss provision to assets | 0.0867% | 2,494 |
| Net operating income to assets | 1.5801% | 763 |
| Return on assets (ROA) | 1.5945% | 779 |
| Pretax return on assets | 2.6251% | 183 |
| Return on Equity (ROE) | 15.7901% | 569 |
| Retained earnings to average equity (ytd only) | -1.0416% | 5,499 |
| Net charge-offs to loans | 0.0116% | 3,531 |
| Credit loss provision to net charge-offs | 845.7831% | 474 |
| Earnings coverage of net charge-offs (x) | 262.4791% | 310 |
| Efficiency ratio | 50.3775% | 5,477 |
| Assets per employee ($millions) | 4.5709% | 2,969 |
| Cash dividends to net income (ytd only)* | 106.5965% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7140% | 5,403 |
| Loan loss allowance to noncurrent loans | 1,094.1860% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 5,211 |
| Noncurrent loans to loans | 0.0653% | 5,092 |
| Net loans and leases to total assets | 88.7706% | 99 |
| Net loans and leases to deposits | 119.6310% | 115 |
| Net loans and leases to core deposits | 147.6507% | 136 |
| Total domestic deposits to total assets | 74.2037% | 5,414 |
| Equity capital to assets | 9.5180% | 4,643 |
| Core capital (leverage) ratio | 9.5325% | 4,136 |
| Tier 1 risk-based capital ratio | 11.1369% | 5,297 |
| Total risk-based capital ratio | 12.5643% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,080,051,250 | 665 |
| Average earning assets | $1,008,376,000 | 657 |
| Average equity | $109,061,250 | 738 |
| Average total loans | $952,274,500 | 531 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1739% | 2,588 |
| Cost of funding earning assets | 0.9002% | 290 |
| Net interest margin | 3.2738% | 4,314 |
| Noninterest income to average assets | 2.2436% | 297 |
| Noninterest expense to average assets | 2.8289% | 2,926 |
| Loan and lease loss provision to assets | 0.0594% | 2,952 |
| Net operating income to assets | 1.4805% | 925 |
| Return on assets (ROA) | 1.4887% | 958 |
| Pretax return on assets | 2.4241% | 243 |
| Return on Equity (ROE) | 14.4314% | 762 |
| Retained earnings to average equity (ytd only) | -10.1389% | 5,885 |
| Net charge-offs to loans | 0.0091% | 3,392 |
| Credit loss provision to net charge-offs | 740.4762% | 488 |
| Earnings coverage of net charge-offs (x) | 307.9524% | 217 |
| Efficiency ratio | 52.9827% | 5,386 |
| Assets per employee ($millions) | 4.2798% | 3,404 |
| Cash dividends to net income (ytd only)* | 170.2554% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 5,463 |
| Loan loss allowance to noncurrent loans | 1,650.1149% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 5,422 |
| Noncurrent loans to loans | 0.0440% | 5,286 |
| Net loans and leases to total assets | 87.4940% | 171 |
| Net loans and leases to deposits | 118.7402% | 111 |
| Net loans and leases to core deposits | 143.9321% | 156 |
| Total domestic deposits to total assets | 73.6853% | 5,552 |
| Equity capital to assets | 9.5997% | 4,671 |
| Core capital (leverage) ratio | 9.5772% | 4,096 |
| Tier 1 risk-based capital ratio | 11.3000% | 5,279 |
| Total risk-based capital ratio | 12.7684% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,046,973,670 | 688 |
| Average earning assets | $977,348,330 | 682 |
| Average equity | $108,000,330 | 744 |
| Average total loans | $918,237,670 | 549 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,473 |
| Cost of funding earning assets | 0.9133% | 275 |
| Net interest margin | 3.2866% | 4,274 |
| Noninterest income to average assets | 2.0832% | 322 |
| Noninterest expense to average assets | 2.8346% | 2,938 |
| Loan and lease loss provision to assets | 0.0840% | 2,272 |
| Net operating income to assets | 1.3745% | 1,088 |
| Return on assets (ROA) | 1.3745% | 1,146 |
| Pretax return on assets | 2.2349% | 359 |
| Return on Equity (ROE) | 12.8306% | 1,073 |
| Retained earnings to average equity (ytd only) | -36.2288% | 6,047 |
| Net charge-offs to loans | 0.0168% | 2,599 |
| Credit loss provision to net charge-offs | 572.9730% | 548 |
| Earnings coverage of net charge-offs (x) | 158.2162% | 380 |
| Efficiency ratio | 54.5888% | 5,328 |
| Assets per employee ($millions) | 4.1717% | 3,638 |
| Cash dividends to net income (ytd only)* | 382.3631% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 5,382 |
| Loan loss allowance to noncurrent loans | 1,504.0340% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 5,444 |
| Noncurrent loans to loans | 0.0527% | 5,279 |
| Net loans and leases to total assets | 85.0606% | 291 |
| Net loans and leases to deposits | 118.2678% | 106 |
| Net loans and leases to core deposits | 137.4544% | 192 |
| Total domestic deposits to total assets | 71.9221% | 5,776 |
| Equity capital to assets | 9.9032% | 4,211 |
| Core capital (leverage) ratio | 9.7488% | 3,845 |
| Tier 1 risk-based capital ratio | 11.4241% | 5,269 |
| Total risk-based capital ratio | 12.9703% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,009,801,500 | 712 |
| Average earning assets | $943,355,500 | 701 |
| Average equity | $108,179,000 | 750 |
| Average total loans | $883,224,500 | 567 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 2,762 |
| Cost of funding earning assets | 0.9226% | 259 |
| Net interest margin | 3.2205% | 4,554 |
| Noninterest income to average assets | 2.2096% | 308 |
| Noninterest expense to average assets | 2.6923% | 3,606 |
| Loan and lease loss provision to assets | 0.1255% | 1,920 |
| Net operating income to assets | 1.4626% | 929 |
| Return on assets (ROA) | 1.4626% | 960 |
| Pretax return on assets | 2.4014% | 245 |
| Return on Equity (ROE) | 13.0918% | 1,040 |
| Retained earnings to average equity (ytd only) | 11.8483% | 269 |
| Net charge-offs to loans | 0.0149% | 3,996 |
| Credit loss provision to net charge-offs | 962.2951% | 359 |
| Earnings coverage of net charge-offs (x) | 193.8279% | 345 |
| Efficiency ratio | 51.4721% | 5,666 |
| Assets per employee ($millions) | 4.2836% | 3,423 |
| Cash dividends to net income (ytd only)* | 9.4981% | 4,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7921% | 5,431 |
| Loan loss allowance to noncurrent loans | 952.9655% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 5,335 |
| Noncurrent loans to loans | 0.0831% | 5,168 |
| Net loans and leases to total assets | 88.6001% | 107 |
| Net loans and leases to deposits | 129.6430% | 47 |
| Net loans and leases to core deposits | 153.3446% | 96 |
| Total domestic deposits to total assets | 68.3416% | 5,962 |
| Equity capital to assets | 11.5775% | 2,299 |
| Core capital (leverage) ratio | 11.0916% | 2,315 |
| Tier 1 risk-based capital ratio | 13.9202% | 3,758 |
| Total risk-based capital ratio | 15.5801% | 3,446 |
| Memoranda: | ||
| Average total assets | $935,825,600 | 736 |
| Average earning assets | $874,529,200 | 725 |
| Average equity | $104,546,400 | 737 |
| Average total loans | $821,382,800 | 574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 3,010 |
| Cost of funding earning assets | 0.9182% | 263 |
| Net interest margin | 3.1643% | 4,789 |
| Noninterest income to average assets | 2.3752% | 280 |
| Noninterest expense to average assets | 2.5997% | 3,883 |
| Loan and lease loss provision to assets | 0.1252% | 1,810 |
| Net operating income to assets | 1.5813% | 808 |
| Return on assets (ROA) | 1.5813% | 843 |
| Pretax return on assets | 2.6074% | 205 |
| Return on Equity (ROE) | 14.2919% | 843 |
| Retained earnings to average equity (ytd only) | 13.7711% | 222 |
| Net charge-offs to loans | 0.0129% | 3,725 |
| Credit loss provision to net charge-offs | 1,114.1026% | 337 |
| Earnings coverage of net charge-offs (x) | 243.1990% | 294 |
| Efficiency ratio | 48.7547% | 5,834 |
| Assets per employee ($millions) | 4.1969% | 3,523 |
| Cash dividends to net income (ytd only)* | 3.6437% | 3,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 5,528 |
| Loan loss allowance to noncurrent loans | 592.5134% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 5,282 |
| Noncurrent loans to loans | 0.1341% | 5,094 |
| Net loans and leases to total assets | 85.9744% | 231 |
| Net loans and leases to deposits | 123.3465% | 76 |
| Net loans and leases to core deposits | 154.4591% | 88 |
| Total domestic deposits to total assets | 69.7015% | 5,986 |
| Equity capital to assets | 11.5258% | 2,486 |
| Core capital (leverage) ratio | 11.2240% | 2,270 |
| Tier 1 risk-based capital ratio | 14.6169% | 3,492 |
| Total risk-based capital ratio | 16.3329% | 3,189 |
| Memoranda: | ||
| Average total assets | $925,615,250 | 752 |
| Average earning assets | $865,006,250 | 739 |
| Average equity | $102,414,500 | 759 |
| Average total loans | $808,669,250 | 584 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 3,364 |
| Cost of funding earning assets | 0.9106% | 274 |
| Net interest margin | 3.0720% | 5,035 |
| Noninterest income to average assets | 2.4481% | 278 |
| Noninterest expense to average assets | 2.5504% | 4,068 |
| Loan and lease loss provision to assets | 0.1236% | 1,784 |
| Net operating income to assets | 1.6125% | 727 |
| Return on assets (ROA) | 1.6125% | 756 |
| Pretax return on assets | 2.6454% | 205 |
| Return on Equity (ROE) | 14.7909% | 765 |
| Retained earnings to average equity (ytd only) | 14.3867% | 219 |
| Net charge-offs to loans | 0.0053% | 3,713 |
| Credit loss provision to net charge-offs | 2,685.7143% | 155 |
| Earnings coverage of net charge-offs (x) | 601.5238% | 110 |
| Efficiency ratio | 47.9458% | 5,965 |
| Assets per employee ($millions) | 4.7092% | 2,665 |
| Cash dividends to net income (ytd only)* | 2.7325% | 3,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 5,751 |
| Loan loss allowance to noncurrent loans | 829.0155% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0784% | 5,554 |
| Noncurrent loans to loans | 0.0881% | 5,392 |
| Net loans and leases to total assets | 88.3531% | 122 |
| Net loans and leases to deposits | 127.6862% | 53 |
| Net loans and leases to core deposits | 159.4623% | 80 |
| Total domestic deposits to total assets | 69.1955% | 6,066 |
| Equity capital to assets | 10.9563% | 2,928 |
| Core capital (leverage) ratio | 11.6054% | 1,918 |
| Tier 1 risk-based capital ratio | 13.3978% | 4,277 |
| Total risk-based capital ratio | 14.9660% | 4,028 |
| Memoranda: | ||
| Average total assets | $912,388,330 | 771 |
| Average earning assets | $852,811,670 | 756 |
| Average equity | $99,466,670 | 777 |
| Average total loans | $799,374,000 | 588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,334 |
| Cost of funding earning assets | 0.9252% | 249 |
| Net interest margin | 3.0459% | 5,088 |
| Noninterest income to average assets | 2.6725% | 247 |
| Noninterest expense to average assets | 2.5922% | 3,967 |
| Loan and lease loss provision to assets | 0.0643% | 2,643 |
| Net operating income to assets | 1.7365% | 544 |
| Return on assets (ROA) | 1.7365% | 578 |
| Pretax return on assets | 2.8661% | 141 |
| Return on Equity (ROE) | 15.9736% | 571 |
| Retained earnings to average equity (ytd only) | 15.9736% | 221 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9383% | 6,069 |
| Assets per employee ($millions) | 4.5574% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,777 |
| Loan loss allowance to noncurrent loans | 1,104.6041% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 5,694 |
| Noncurrent loans to loans | 0.0691% | 5,493 |
| Net loans and leases to total assets | 86.0105% | 188 |
| Net loans and leases to deposits | 122.6513% | 69 |
| Net loans and leases to core deposits | 171.3068% | 68 |
| Total domestic deposits to total assets | 70.1261% | 6,126 |
| Equity capital to assets | 10.7158% | 3,304 |
| Core capital (leverage) ratio | 11.2117% | 2,224 |
| Tier 1 risk-based capital ratio | 13.1187% | 4,548 |
| Total risk-based capital ratio | 14.7732% | 4,229 |
| Memoranda: | ||
| Average total assets | $876,467,000 | 803 |
| Average earning assets | $820,106,000 | 779 |
| Average equity | $95,282,500 | 812 |
| Average total loans | $761,061,500 | 610 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0717% | 3,436 |
| Cost of funding earning assets | 0.9534% | 283 |
| Net interest margin | 3.1183% | 5,161 |
| Noninterest income to average assets | 2.0436% | 329 |
| Noninterest expense to average assets | 2.6794% | 3,945 |
| Loan and lease loss provision to assets | 0.1871% | 1,371 |
| Net operating income to assets | 1.2683% | 1,377 |
| Return on assets (ROA) | 1.2629% | 1,453 |
| Pretax return on assets | 2.0547% | 460 |
| Return on Equity (ROE) | 11.1591% | 1,672 |
| Retained earnings to average equity (ytd only) | 9.7103% | 567 |
| Net charge-offs to loans | 0.0111% | 4,687 |
| Credit loss provision to net charge-offs | 2,039.4366% | 151 |
| Earnings coverage of net charge-offs (x) | 245.2958% | 221 |
| Efficiency ratio | 54.3522% | 5,813 |
| Assets per employee ($millions) | 4.5979% | 2,880 |
| Cash dividends to net income (ytd only)* | 12.9834% | 4,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 5,783 |
| Loan loss allowance to noncurrent loans | 3,904.6667% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 5,978 |
| Noncurrent loans to loans | 0.0204% | 5,808 |
| Net loans and leases to total assets | 86.3126% | 189 |
| Net loans and leases to deposits | 128.9382% | 47 |
| Net loans and leases to core deposits | 191.1670% | 48 |
| Total domestic deposits to total assets | 66.9410% | 6,306 |
| Equity capital to assets | 11.0663% | 2,836 |
| Core capital (leverage) ratio | 11.5862% | 1,910 |
| Tier 1 risk-based capital ratio | 13.5969% | 4,348 |
| Total risk-based capital ratio | 15.3273% | 3,962 |
| Memoranda: | ||
| Average total assets | $773,941,800 | 877 |
| Average earning assets | $716,314,200 | 860 |
| Average equity | $87,587,400 | 846 |
| Average total loans | $641,461,400 | 680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,467 |
| Cost of funding earning assets | 0.9523% | 305 |
| Net interest margin | 3.1249% | 5,183 |
| Noninterest income to average assets | 1.9340% | 366 |
| Noninterest expense to average assets | 2.7418% | 3,663 |
| Loan and lease loss provision to assets | 0.1623% | 1,535 |
| Net operating income to assets | 1.1644% | 1,808 |
| Return on assets (ROA) | 1.1546% | 1,908 |
| Pretax return on assets | 1.8968% | 722 |
| Return on Equity (ROE) | 10.1393% | 2,149 |
| Retained earnings to average equity (ytd only) | 9.8574% | 748 |
| Net charge-offs to loans | 0.0110% | 4,350 |
| Credit loss provision to net charge-offs | 1,803.9216% | 199 |
| Earnings coverage of net charge-offs (x) | 230.6021% | 288 |
| Efficiency ratio | 56.9289% | 5,569 |
| Assets per employee ($millions) | 4.5932% | 2,821 |
| Cash dividends to net income (ytd only)* | 2.7803% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 5,941 |
| Loan loss allowance to noncurrent loans | 2,335.8079% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,056 |
| Noncurrent loans to loans | 0.0331% | 5,900 |
| Net loans and leases to total assets | 84.5290% | 301 |
| Net loans and leases to deposits | 118.6942% | 111 |
| Net loans and leases to core deposits | 180.3962% | 53 |
| Total domestic deposits to total assets | 71.2158% | 6,220 |
| Equity capital to assets | 11.2541% | 2,700 |
| Core capital (leverage) ratio | 11.3445% | 2,179 |
| Tier 1 risk-based capital ratio | 14.4837% | 3,899 |
| Total risk-based capital ratio | 16.2890% | 3,498 |
| Memoranda: | ||
| Average total assets | $755,925,000 | 907 |
| Average earning assets | $697,217,250 | 885 |
| Average equity | $86,078,750 | 863 |
| Average total loans | $617,809,500 | 703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,886 |
| Cost of funding earning assets | 0.9448% | 324 |
| Net interest margin | 3.0178% | 5,466 |
| Noninterest income to average assets | 1.8464% | 397 |
| Noninterest expense to average assets | 2.7626% | 3,649 |
| Loan and lease loss provision to assets | 0.1362% | 1,818 |
| Net operating income to assets | 1.0506% | 2,118 |
| Return on assets (ROA) | 1.0506% | 2,191 |
| Pretax return on assets | 1.7172% | 984 |
| Return on Equity (ROE) | 9.1868% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.1868% | 924 |
| Net charge-offs to loans | -0.0051% | 5,180 |
| Credit loss provision to net charge-offs | -3,346.6667% | 5,878 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8483% | 5,315 |
| Assets per employee ($millions) | 4.5222% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7452% | 6,095 |
| Loan loss allowance to noncurrent loans | 1,823.7226% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 6,109 |
| Noncurrent loans to loans | 0.0409% | 5,930 |
| Net loans and leases to total assets | 79.9845% | 689 |
| Net loans and leases to deposits | 112.4235% | 158 |
| Net loans and leases to core deposits | 156.4373% | 84 |
| Total domestic deposits to total assets | 71.1457% | 6,308 |
| Equity capital to assets | 10.6887% | 3,211 |
| Core capital (leverage) ratio | 12.0845% | 1,616 |
| Tier 1 risk-based capital ratio | 14.8257% | 3,739 |
| Total risk-based capital ratio | 16.6656% | 3,346 |
| Memoranda: | ||
| Average total assets | $736,903,330 | 926 |
| Average earning assets | $676,321,000 | 914 |
| Average equity | $84,273,330 | 871 |
| Average total loans | $592,892,330 | 735 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9948% | 3,709 |
| Cost of funding earning assets | 0.9468% | 346 |
| Net interest margin | 3.0480% | 5,392 |
| Noninterest income to average assets | 1.3886% | 602 |
| Noninterest expense to average assets | 2.9484% | 3,052 |
| Loan and lease loss provision to assets | 0.0331% | 3,386 |
| Net operating income to assets | 0.7462% | 3,444 |
| Return on assets (ROA) | 0.7462% | 3,526 |
| Pretax return on assets | 1.2186% | 2,399 |
| Return on Equity (ROE) | 6.2777% | 3,866 |
| Retained earnings to average equity (ytd only) | 6.2777% | 2,392 |
| Net charge-offs to loans | -0.0108% | 5,082 |
| Credit loss provision to net charge-offs | -380.0000% | 5,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1989% | 3,802 |
| Assets per employee ($millions) | 3.9578% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 6,079 |
| Loan loss allowance to noncurrent loans | 1,487.5817% | 363 |
| Noncurrent assets plus other real estate owned to assets | 0.0425% | 6,162 |
| Noncurrent loans to loans | 0.0544% | 5,991 |
| Net loans and leases to total assets | 77.4561% | 827 |
| Net loans and leases to deposits | 113.1982% | 111 |
| Net loans and leases to core deposits | 166.5642% | 58 |
| Total domestic deposits to total assets | 68.4252% | 6,503 |
| Equity capital to assets | 11.4684% | 2,281 |
| Core capital (leverage) ratio | 12.6059% | 1,338 |
| Tier 1 risk-based capital ratio | 16.1972% | 3,057 |
| Total risk-based capital ratio | 18.2724% | 2,631 |
| Memoranda: | ||
| Average total assets | $689,314,500 | 987 |
| Average earning assets | $635,829,500 | 977 |
| Average equity | $81,940,500 | 896 |
| Average total loans | $554,072,000 | 790 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0970% | 3,752 |
| Cost of funding earning assets | 0.9210% | 668 |
| Net interest margin | 3.1760% | 5,075 |
| Noninterest income to average assets | 2.2984% | 323 |
| Noninterest expense to average assets | 3.2005% | 2,417 |
| Loan and lease loss provision to assets | 0.1034% | 3,067 |
| Net operating income to assets | 1.1443% | 1,780 |
| Return on assets (ROA) | 1.1171% | 1,943 |
| Pretax return on assets | 1.8002% | 760 |
| Return on Equity (ROE) | 8.8828% | 2,602 |
| Retained earnings to average equity (ytd only) | 7.4889% | 1,238 |
| Net charge-offs to loans | 0.0409% | 4,656 |
| Credit loss provision to net charge-offs | 324.5000% | 714 |
| Earnings coverage of net charge-offs (x) | 61.0650% | 679 |
| Efficiency ratio | 62.1853% | 5,182 |
| Assets per employee ($millions) | 3.6777% | 4,531 |
| Cash dividends to net income (ytd only)* | 15.6919% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,121 |
| Loan loss allowance to noncurrent loans | 1,244.4444% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 6,204 |
| Noncurrent loans to loans | 0.0660% | 6,022 |
| Net loans and leases to total assets | 82.2076% | 400 |
| Net loans and leases to deposits | 122.3287% | 56 |
| Net loans and leases to core deposits | 174.6949% | 57 |
| Total domestic deposits to total assets | 67.2023% | 6,609 |
| Equity capital to assets | 12.3455% | 1,597 |
| Core capital (leverage) ratio | 12.9865% | 1,144 |
| Tier 1 risk-based capital ratio | 16.3496% | 2,934 |
| Total risk-based capital ratio | 18.4612% | 2,497 |
| Memoranda: | ||
| Average total assets | $627,531,600 | 1,065 |
| Average earning assets | $562,781,000 | 1,080 |
| Average equity | $78,916,400 | 903 |
| Average total loans | $489,419,400 | 866 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,773 |
| Cost of funding earning assets | 0.9082% | 785 |
| Net interest margin | 3.1876% | 5,034 |
| Noninterest income to average assets | 2.5271% | 289 |
| Noninterest expense to average assets | 3.1947% | 2,386 |
| Loan and lease loss provision to assets | 0.0970% | 3,142 |
| Net operating income to assets | 1.2676% | 1,436 |
| Return on assets (ROA) | 1.2676% | 1,506 |
| Pretax return on assets | 2.0777% | 492 |
| Return on Equity (ROE) | 10.0311% | 2,165 |
| Retained earnings to average equity (ytd only) | 9.6907% | 858 |
| Net charge-offs to loans | 0.0070% | 5,029 |
| Credit loss provision to net charge-offs | 1,804.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 404.4302% | 144 |
| Efficiency ratio | 59.4984% | 5,497 |
| Assets per employee ($millions) | 3.1414% | 5,603 |
| Cash dividends to net income (ytd only)* | 3.3939% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,048 |
| Loan loss allowance to noncurrent loans | 2,857.0513% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,406 |
| Noncurrent loans to loans | 0.0315% | 6,245 |
| Net loans and leases to total assets | 77.6683% | 787 |
| Net loans and leases to deposits | 118.9218% | 74 |
| Net loans and leases to core deposits | 165.0147% | 64 |
| Total domestic deposits to total assets | 65.3104% | 6,720 |
| Equity capital to assets | 12.8207% | 1,411 |
| Core capital (leverage) ratio | 13.2198% | 1,120 |
| Tier 1 risk-based capital ratio | 17.3058% | 2,581 |
| Total risk-based capital ratio | 19.5408% | 2,181 |
| Memoranda: | ||
| Average total assets | $619,836,750 | 1,084 |
| Average earning assets | $552,706,250 | 1,108 |
| Average equity | $78,327,500 | 922 |
| Average total loans | $475,358,750 | 895 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0528% | 3,915 |
| Cost of funding earning assets | 0.8983% | 909 |
| Net interest margin | 3.1545% | 5,111 |
| Noninterest income to average assets | 2.9449% | 263 |
| Noninterest expense to average assets | 3.1904% | 2,377 |
| Loan and lease loss provision to assets | 0.1033% | 3,072 |
| Net operating income to assets | 1.4923% | 912 |
| Return on assets (ROA) | 1.4923% | 980 |
| Pretax return on assets | 2.4585% | 286 |
| Return on Equity (ROE) | 11.8679% | 1,533 |
| Retained earnings to average equity (ytd only) | 11.3515% | 589 |
| Net charge-offs to loans | 0.0107% | 4,662 |
| Credit loss provision to net charge-offs | 1,272.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 315.6000% | 161 |
| Efficiency ratio | 55.4640% | 6,027 |
| Assets per employee ($millions) | 3.3358% | 5,201 |
| Cash dividends to net income (ytd only)* | 4.3516% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8593% | 6,235 |
| Loan loss allowance to noncurrent loans | 2,604.8193% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 6,464 |
| Noncurrent loans to loans | 0.0330% | 6,307 |
| Net loans and leases to total assets | 74.0373% | 1,244 |
| Net loans and leases to deposits | 108.2707% | 174 |
| Net loans and leases to core deposits | 153.4331% | 87 |
| Total domestic deposits to total assets | 68.3817% | 6,706 |
| Equity capital to assets | 11.8328% | 2,025 |
| Core capital (leverage) ratio | 13.4793% | 985 |
| Tier 1 risk-based capital ratio | 16.8591% | 2,766 |
| Total risk-based capital ratio | 19.0439% | 2,361 |
| Memoranda: | ||
| Average total assets | $615,974,000 | 1,088 |
| Average earning assets | $548,167,670 | 1,115 |
| Average equity | $77,452,330 | 933 |
| Average total loans | $468,853,670 | 905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 3,635 |
| Cost of funding earning assets | 0.9152% | 913 |
| Net interest margin | 3.2075% | 4,907 |
| Noninterest income to average assets | 2.3358% | 346 |
| Noninterest expense to average assets | 3.3688% | 1,900 |
| Loan and lease loss provision to assets | 0.0790% | 3,322 |
| Net operating income to assets | 1.0957% | 1,871 |
| Return on assets (ROA) | 1.0957% | 1,979 |
| Pretax return on assets | 1.7845% | 911 |
| Return on Equity (ROE) | 8.4286% | 2,759 |
| Retained earnings to average equity (ytd only) | 8.4286% | 1,592 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3834% | 4,946 |
| Assets per employee ($millions) | 2.9326% | 6,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9037% | 6,252 |
| Loan loss allowance to noncurrent loans | 2,641.4013% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 6,531 |
| Noncurrent loans to loans | 0.0342% | 6,391 |
| Net loans and leases to total assets | 77.5320% | 662 |
| Net loans and leases to deposits | 120.1036% | 64 |
| Net loans and leases to core deposits | 165.0853% | 64 |
| Total domestic deposits to total assets | 64.5543% | 6,871 |
| Equity capital to assets | 13.1483% | 1,358 |
| Core capital (leverage) ratio | 13.4068% | 973 |
| Tier 1 risk-based capital ratio | 18.3632% | 2,240 |
| Total risk-based capital ratio | 20.7869% | 1,870 |
| Memoranda: | ||
| Average total assets | $587,040,500 | 1,156 |
| Average earning assets | $530,130,000 | 1,166 |
| Average equity | $76,311,500 | 958 |
| Average total loans | $451,671,500 | 944 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4328% | 3,693 |
| Cost of funding earning assets | 1.0705% | 1,022 |
| Net interest margin | 3.3623% | 5,027 |
| Noninterest income to average assets | 5.0727% | 140 |
| Noninterest expense to average assets | 3.1452% | 2,793 |
| Loan and lease loss provision to assets | 0.2651% | 2,523 |
| Net operating income to assets | 2.7872% | 113 |
| Return on assets (ROA) | 2.7872% | 121 |
| Pretax return on assets | 4.6421% | 59 |
| Return on Equity (ROE) | 22.7579% | 192 |
| Retained earnings to average equity (ytd only) | 19.9754% | 62 |
| Net charge-offs to loans | 0.1779% | 3,948 |
| Credit loss provision to net charge-offs | 194.9868% | 1,338 |
| Earnings coverage of net charge-offs (x) | 36.0950% | 871 |
| Efficiency ratio | 39.0592% | 6,949 |
| Assets per employee ($millions) | 3.0603% | 5,921 |
| Cash dividends to net income (ytd only)* | 12.2265% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9069% | 6,251 |
| Loan loss allowance to noncurrent loans | 2,428.3133% | 244 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 6,590 |
| Noncurrent loans to loans | 0.0373% | 6,413 |
| Net loans and leases to total assets | 74.9580% | 1,059 |
| Net loans and leases to deposits | 112.3732% | 130 |
| Net loans and leases to core deposits | 152.3788% | 97 |
| Total domestic deposits to total assets | 66.7046% | 6,884 |
| Equity capital to assets | 12.8507% | 1,519 |
| Core capital (leverage) ratio | 12.7621% | 1,216 |
| Tier 1 risk-based capital ratio | 18.8767% | 1,993 |
| Total risk-based capital ratio | 21.3916% | 1,615 |
| Memoranda: | ||
| Average total assets | $557,552,200 | 1,199 |
| Average earning assets | $494,089,800 | 1,231 |
| Average equity | $68,284,000 | 1,031 |
| Average total loans | $426,053,800 | 982 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 3,851 |
| Cost of funding earning assets | 1.0970% | 1,071 |
| Net interest margin | 3.3482% | 5,220 |
| Noninterest income to average assets | 4.6817% | 154 |
| Noninterest expense to average assets | 2.8239% | 3,895 |
| Loan and lease loss provision to assets | 0.1791% | 3,345 |
| Net operating income to assets | 2.8273% | 121 |
| Return on assets (ROA) | 2.8273% | 126 |
| Pretax return on assets | 4.6378% | 63 |
| Return on Equity (ROE) | 23.3935% | 183 |
| Retained earnings to average equity (ytd only) | 21.5885% | 70 |
| Net charge-offs to loans | 0.1243% | 4,133 |
| Credit loss provision to net charge-offs | 188.0407% | 1,471 |
| Earnings coverage of net charge-offs (x) | 50.5646% | 749 |
| Efficiency ratio | 36.9583% | 7,060 |
| Assets per employee ($millions) | 3.4094% | 5,185 |
| Cash dividends to net income (ytd only)* | 7.7160% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 6,545 |
| Loan loss allowance to noncurrent loans | 3,693.9394% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,731 |
| Noncurrent loans to loans | 0.0223% | 6,585 |
| Net loans and leases to total assets | 74.5319% | 1,167 |
| Net loans and leases to deposits | 109.8118% | 159 |
| Net loans and leases to core deposits | 153.0737% | 104 |
| Total domestic deposits to total assets | 67.8724% | 6,932 |
| Equity capital to assets | 12.3140% | 2,028 |
| Core capital (leverage) ratio | 12.5013% | 1,407 |
| Tier 1 risk-based capital ratio | 17.2361% | 2,634 |
| Total risk-based capital ratio | 19.5440% | 2,208 |
| Memoranda: | ||
| Average total assets | $550,047,750 | 1,233 |
| Average earning assets | $486,141,000 | 1,269 |
| Average equity | $66,478,250 | 1,063 |
| Average total loans | $421,451,750 | 996 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 4,345 |
| Cost of funding earning assets | 1.0837% | 1,295 |
| Net interest margin | 3.2767% | 5,512 |
| Noninterest income to average assets | 4.1249% | 175 |
| Noninterest expense to average assets | 2.9196% | 3,548 |
| Loan and lease loss provision to assets | 0.2005% | 3,077 |
| Net operating income to assets | 2.4200% | 199 |
| Return on assets (ROA) | 2.4200% | 228 |
| Pretax return on assets | 3.9543% | 84 |
| Return on Equity (ROE) | 20.1624% | 348 |
| Retained earnings to average equity (ytd only) | 17.3685% | 169 |
| Net charge-offs to loans | 0.0903% | 4,251 |
| Credit loss provision to net charge-offs | 287.7005% | 1,017 |
| Earnings coverage of net charge-offs (x) | 59.6310% | 639 |
| Efficiency ratio | 41.2703% | 7,039 |
| Assets per employee ($millions) | 3.4226% | 5,160 |
| Cash dividends to net income (ytd only)* | 13.8568% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 6,636 |
| Loan loss allowance to noncurrent loans | 616.4983% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 6,263 |
| Noncurrent loans to loans | 0.1328% | 6,332 |
| Net loans and leases to total assets | 77.6201% | 772 |
| Net loans and leases to deposits | 112.9489% | 116 |
| Net loans and leases to core deposits | 158.7185% | 90 |
| Total domestic deposits to total assets | 68.7214% | 6,968 |
| Equity capital to assets | 11.8029% | 2,308 |
| Core capital (leverage) ratio | 12.7228% | 1,246 |
| Tier 1 risk-based capital ratio | 16.5496% | 2,888 |
| Total risk-based capital ratio | 18.9461% | 2,364 |
| Memoranda: | ||
| Average total assets | $536,786,000 | 1,258 |
| Average earning assets | $483,174,000 | 1,280 |
| Average equity | $64,427,000 | 1,095 |
| Average total loans | $414,178,670 | 1,015 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3147% | 4,684 |
| Cost of funding earning assets | 1.0831% | 1,486 |
| Net interest margin | 3.2316% | 5,696 |
| Noninterest income to average assets | 3.3716% | 202 |
| Noninterest expense to average assets | 2.9935% | 3,272 |
| Loan and lease loss provision to assets | 0.2210% | 2,739 |
| Net operating income to assets | 1.9122% | 487 |
| Return on assets (ROA) | 1.9122% | 559 |
| Pretax return on assets | 3.1167% | 167 |
| Return on Equity (ROE) | 15.7878% | 837 |
| Retained earnings to average equity (ytd only) | 13.2444% | 650 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2814% | 6,842 |
| Assets per employee ($millions) | 3.4157% | 5,309 |
| Cash dividends to net income (ytd only)* | 16.1095% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8528% | 6,635 |
| Loan loss allowance to noncurrent loans | 291.1003% | 1,151 |
| Noncurrent assets plus other real estate owned to assets | 0.2335% | 6,299 |
| Noncurrent loans to loans | 0.2929% | 6,089 |
| Net loans and leases to total assets | 79.0136% | 486 |
| Net loans and leases to deposits | 114.3329% | 98 |
| Net loans and leases to core deposits | 183.7814% | 62 |
| Total domestic deposits to total assets | 69.1083% | 7,019 |
| Equity capital to assets | 12.0791% | 1,987 |
| Core capital (leverage) ratio | 12.6874% | 1,252 |
| Tier 1 risk-based capital ratio | 17.7462% | 2,385 |
| Total risk-based capital ratio | 20.4377% | 1,906 |
| Memoranda: | ||
| Average total assets | $519,394,000 | 1,310 |
| Average earning assets | $475,671,500 | 1,307 |
| Average equity | $62,909,500 | 1,127 |
| Average total loans | $397,610,500 | 1,063 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 4,656 |
| Cost of funding earning assets | 1.2683% | 1,643 |
| Net interest margin | 3.3372% | 5,694 |
| Noninterest income to average assets | 2.7792% | 232 |
| Noninterest expense to average assets | 3.0941% | 3,216 |
| Loan and lease loss provision to assets | 0.1480% | 4,762 |
| Net operating income to assets | 1.6222% | 638 |
| Return on assets (ROA) | 1.6222% | 694 |
| Pretax return on assets | 2.6061% | 178 |
| Return on Equity (ROE) | 13.2960% | 1,090 |
| Retained earnings to average equity (ytd only) | 11.8219% | 320 |
| Net charge-offs to loans | 0.0101% | 6,287 |
| Credit loss provision to net charge-offs | 1,814.7059% | 125 |
| Earnings coverage of net charge-offs (x) | 337.7941% | 106 |
| Efficiency ratio | 52.9072% | 6,623 |
| Assets per employee ($millions) | 3.4887% | 5,036 |
| Cash dividends to net income (ytd only)* | 11.0865% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 6,562 |
| Loan loss allowance to noncurrent loans | 297.7518% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,417 |
| Noncurrent loans to loans | 0.2979% | 6,127 |
| Net loans and leases to total assets | 72.6385% | 1,527 |
| Net loans and leases to deposits | 108.0447% | 206 |
| Net loans and leases to core deposits | 200.4991% | 62 |
| Total domestic deposits to total assets | 67.2301% | 7,100 |
| Equity capital to assets | 12.1464% | 2,016 |
| Core capital (leverage) ratio | 13.4219% | 996 |
| Tier 1 risk-based capital ratio | 18.6426% | 2,008 |
| Total risk-based capital ratio | 21.4811% | 1,561 |
| Memoranda: | ||
| Average total assets | $417,019,200 | 1,561 |
| Average earning assets | $383,498,200 | 1,547 |
| Average equity | $50,880,000 | 1,344 |
| Average total loans | $335,372,200 | 1,267 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 4,720 |
| Cost of funding earning assets | 1.3173% | 1,605 |
| Net interest margin | 3.3191% | 5,811 |
| Noninterest income to average assets | 2.0521% | 363 |
| Noninterest expense to average assets | 3.2400% | 2,693 |
| Loan and lease loss provision to assets | 0.1540% | 4,540 |
| Net operating income to assets | 1.1037% | 1,952 |
| Return on assets (ROA) | 1.1037% | 2,096 |
| Pretax return on assets | 1.7373% | 1,069 |
| Return on Equity (ROE) | 9.0331% | 2,581 |
| Retained earnings to average equity (ytd only) | 8.6176% | 1,275 |
| Net charge-offs to loans | 0.0041% | 6,137 |
| Credit loss provision to net charge-offs | 4,550.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 558.9257% | 66 |
| Efficiency ratio | 63.1423% | 5,208 |
| Assets per employee ($millions) | 3.3195% | 5,444 |
| Cash dividends to net income (ytd only)* | 4.5999% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8597% | 6,698 |
| Loan loss allowance to noncurrent loans | 277.8459% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 6,419 |
| Noncurrent loans to loans | 0.3094% | 6,227 |
| Net loans and leases to total assets | 82.2657% | 332 |
| Net loans and leases to deposits | 123.8115% | 72 |
| Net loans and leases to core deposits | 192.2597% | 71 |
| Total domestic deposits to total assets | 66.4443% | 7,189 |
| Equity capital to assets | 13.2560% | 1,486 |
| Core capital (leverage) ratio | 14.2541% | 830 |
| Tier 1 risk-based capital ratio | 19.0913% | 1,901 |
| Total risk-based capital ratio | 22.0990% | 1,462 |
| Memoranda: | ||
| Average total assets | $393,936,250 | 1,655 |
| Average earning assets | $365,474,250 | 1,624 |
| Average equity | $48,133,000 | 1,423 |
| Average total loans | $325,891,250 | 1,308 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 4,438 |
| Cost of funding earning assets | 1.3404% | 1,697 |
| Net interest margin | 3.3819% | 5,605 |
| Noninterest income to average assets | 2.1975% | 318 |
| Noninterest expense to average assets | 3.2516% | 2,722 |
| Loan and lease loss provision to assets | 0.0398% | 5,813 |
| Net operating income to assets | 1.2839% | 1,361 |
| Return on assets (ROA) | 1.2839% | 1,428 |
| Pretax return on assets | 2.0383% | 550 |
| Return on Equity (ROE) | 10.8709% | 1,839 |
| Retained earnings to average equity (ytd only) | 10.1971% | 807 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0094% | 5,729 |
| Assets per employee ($millions) | 3.2739% | 5,473 |
| Cash dividends to net income (ytd only)* | 6.1983% | 3,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 6,724 |
| Loan loss allowance to noncurrent loans | 348.0745% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 6,608 |
| Noncurrent loans to loans | 0.2511% | 6,419 |
| Net loans and leases to total assets | 78.9316% | 656 |
| Net loans and leases to deposits | 119.1753% | 92 |
| Net loans and leases to core deposits | 180.6730% | 85 |
| Total domestic deposits to total assets | 66.2315% | 7,258 |
| Equity capital to assets | 11.3048% | 2,681 |
| Core capital (leverage) ratio | 12.5239% | 1,348 |
| Tier 1 risk-based capital ratio | 16.8217% | 2,602 |
| Total risk-based capital ratio | 20.1309% | 1,847 |
| Memoranda: | ||
| Average total assets | $376,978,330 | 1,735 |
| Average earning assets | $349,158,000 | 1,717 |
| Average equity | $44,522,670 | 1,512 |
| Average total loans | $311,488,670 | 1,384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8728% | 3,714 |
| Cost of funding earning assets | 1.4187% | 1,518 |
| Net interest margin | 3.4541% | 5,208 |
| Noninterest income to average assets | 3.0748% | 214 |
| Noninterest expense to average assets | 3.4329% | 2,186 |
| Loan and lease loss provision to assets | 0.1208% | 4,502 |
| Net operating income to assets | 1.6906% | 581 |
| Return on assets (ROA) | 1.6906% | 617 |
| Pretax return on assets | 2.7145% | 195 |
| Return on Equity (ROE) | 13.9838% | 996 |
| Retained earnings to average equity (ytd only) | 13.9838% | 473 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7669% | 6,621 |
| Assets per employee ($millions) | 2.8321% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,528 |
| Loan loss allowance to noncurrent loans | 373.2895% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2096% | 6,641 |
| Noncurrent loans to loans | 0.2560% | 6,478 |
| Net loans and leases to total assets | 81.1140% | 433 |
| Net loans and leases to deposits | 129.3999% | 57 |
| Net loans and leases to core deposits | 213.5014% | 65 |
| Total domestic deposits to total assets | 62.6847% | 7,390 |
| Equity capital to assets | 12.3560% | 1,707 |
| Core capital (leverage) ratio | 12.3446% | 1,392 |
| Tier 1 risk-based capital ratio | 17.7320% | 2,206 |
| Total risk-based capital ratio | 21.2590% | 1,553 |
| Memoranda: | ||
| Average total assets | $364,123,000 | 1,805 |
| Average earning assets | $336,646,500 | 1,782 |
| Average equity | $44,022,500 | 1,514 |
| Average total loans | $306,907,500 | 1,427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 3,772 |
| Cost of funding earning assets | 1.6430% | 1,858 |
| Net interest margin | 3.5229% | 5,148 |
| Noninterest income to average assets | 4.1497% | 160 |
| Noninterest expense to average assets | 2.8498% | 4,409 |
| Loan and lease loss provision to assets | 0.3269% | 4,193 |
| Net operating income to assets | 2.5470% | 109 |
| Return on assets (ROA) | 2.5470% | 113 |
| Pretax return on assets | 4.2489% | 65 |
| Return on Equity (ROE) | 25.2566% | 98 |
| Retained earnings to average equity (ytd only) | 22.3587% | 33 |
| Net charge-offs to loans | 0.1189% | 5,696 |
| Credit loss provision to net charge-offs | 313.5211% | 841 |
| Earnings coverage of net charge-offs (x) | 43.8873% | 530 |
| Efficiency ratio | 38.3776% | 7,524 |
| Assets per employee ($millions) | 2.6696% | 6,739 |
| Cash dividends to net income (ytd only)* | 11.4737% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 6,829 |
| Loan loss allowance to noncurrent loans | 374.5879% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 6,724 |
| Noncurrent loans to loans | 0.2297% | 6,603 |
| Net loans and leases to total assets | 85.9103% | 186 |
| Net loans and leases to deposits | 133.0950% | 59 |
| Net loans and leases to core deposits | 214.1069% | 72 |
| Total domestic deposits to total assets | 64.5481% | 7,428 |
| Equity capital to assets | 11.8263% | 2,020 |
| Core capital (leverage) ratio | 11.3864% | 1,897 |
| Tier 1 risk-based capital ratio | 16.0763% | 2,714 |
| Total risk-based capital ratio | 19.3800% | 1,926 |
| Memoranda: | ||
| Average total assets | $340,484,600 | 1,920 |
| Average earning assets | $316,612,000 | 1,878 |
| Average equity | $34,335,600 | 1,926 |
| Average total loans | $298,521,200 | 1,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 4,385 |
| Cost of funding earning assets | 1.6819% | 1,958 |
| Net interest margin | 3.4060% | 5,659 |
| Noninterest income to average assets | 3.1308% | 217 |
| Noninterest expense to average assets | 2.9150% | 4,024 |
| Loan and lease loss provision to assets | 0.3000% | 4,174 |
| Net operating income to assets | 1.8768% | 431 |
| Return on assets (ROA) | 1.8768% | 476 |
| Pretax return on assets | 3.1001% | 111 |
| Return on Equity (ROE) | 19.5346% | 335 |
| Retained earnings to average equity (ytd only) | 18.5380% | 102 |
| Net charge-offs to loans | -0.0150% | 7,318 |
| Credit loss provision to net charge-offs | -2,278.7879% | 7,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1587% | 7,378 |
| Assets per employee ($millions) | 3.0491% | 6,029 |
| Cash dividends to net income (ytd only)* | 5.1020% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8779% | 6,814 |
| Loan loss allowance to noncurrent loans | 248.5560% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 6,596 |
| Noncurrent loans to loans | 0.3532% | 6,491 |
| Net loans and leases to total assets | 87.9195% | 111 |
| Net loans and leases to deposits | 138.3204% | 48 |
| Net loans and leases to core deposits | 179.8764% | 107 |
| Total domestic deposits to total assets | 63.5622% | 7,529 |
| Equity capital to assets | 11.3206% | 2,686 |
| Core capital (leverage) ratio | 11.3267% | 2,050 |
| Tier 1 risk-based capital ratio | 15.4589% | 3,019 |
| Total risk-based capital ratio | 18.8718% | 2,108 |
| Memoranda: | ||
| Average total assets | $334,172,000 | 1,975 |
| Average earning assets | $312,419,750 | 1,930 |
| Average equity | $32,106,250 | 2,064 |
| Average total loans | $293,918,750 | 1,538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0024% | 4,926 |
| Cost of funding earning assets | 1.7352% | 1,943 |
| Net interest margin | 3.2672% | 6,113 |
| Noninterest income to average assets | 2.1778% | 312 |
| Noninterest expense to average assets | 2.8303% | 4,357 |
| Loan and lease loss provision to assets | 0.2918% | 4,049 |
| Net operating income to assets | 1.2812% | 1,350 |
| Return on assets (ROA) | 1.2812% | 1,412 |
| Pretax return on assets | 2.1070% | 483 |
| Return on Equity (ROE) | 14.2490% | 985 |
| Retained earnings to average equity (ytd only) | 13.1629% | 364 |
| Net charge-offs to loans | -0.0230% | 7,301 |
| Credit loss provision to net charge-offs | -1,448.4848% | 6,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1263% | 6,872 |
| Assets per employee ($millions) | 3.2074% | 5,673 |
| Cash dividends to net income (ytd only)* | 7.6227% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 7,046 |
| Loan loss allowance to noncurrent loans | 223.6249% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 6,622 |
| Noncurrent loans to loans | 0.3562% | 6,523 |
| Net loans and leases to total assets | 88.3496% | 117 |
| Net loans and leases to deposits | 126.8956% | 83 |
| Net loans and leases to core deposits | 172.3694% | 131 |
| Total domestic deposits to total assets | 69.6239% | 7,349 |
| Equity capital to assets | 8.7143% | 5,863 |
| Core capital (leverage) ratio | 9.7994% | 3,404 |
| Tier 1 risk-based capital ratio | 11.9992% | 5,312 |
| Total risk-based capital ratio | 15.3612% | 3,616 |
| Memoranda: | ||
| Average total assets | $327,665,000 | 2,026 |
| Average earning assets | $306,013,000 | 1,991 |
| Average equity | $29,461,670 | 2,226 |
| Average total loans | $287,318,670 | 1,593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 4,680 |
| Cost of funding earning assets | 1.8943% | 1,472 |
| Net interest margin | 3.1748% | 6,368 |
| Noninterest income to average assets | 2.3455% | 272 |
| Noninterest expense to average assets | 2.8002% | 4,482 |
| Loan and lease loss provision to assets | 0.5292% | 2,383 |
| Net operating income to assets | 1.1948% | 1,552 |
| Return on assets (ROA) | 1.1948% | 1,627 |
| Pretax return on assets | 1.9754% | 636 |
| Return on Equity (ROE) | 13.0665% | 1,238 |
| Retained earnings to average equity (ytd only) | 11.9615% | 751 |
| Net charge-offs to loans | -0.0726% | 7,451 |
| Credit loss provision to net charge-offs | -838.0000% | 6,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7857% | 7,077 |
| Assets per employee ($millions) | 3.0579% | 6,090 |
| Cash dividends to net income (ytd only)* | 8.4567% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 6,861 |
| Loan loss allowance to noncurrent loans | 235.7834% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 6,673 |
| Noncurrent loans to loans | 0.3786% | 6,530 |
| Net loans and leases to total assets | 84.3089% | 343 |
| Net loans and leases to deposits | 123.2282% | 112 |
| Net loans and leases to core deposits | 171.5043% | 153 |
| Total domestic deposits to total assets | 68.4169% | 7,506 |
| Equity capital to assets | 9.1544% | 5,056 |
| Core capital (leverage) ratio | 9.4471% | 3,857 |
| Tier 1 risk-based capital ratio | 11.1626% | 5,997 |
| Total risk-based capital ratio | 14.3751% | 4,211 |
| Memoranda: | ||
| Average total assets | $316,692,500 | 2,150 |
| Average earning assets | $295,198,500 | 2,113 |
| Average equity | $28,959,500 | 2,294 |
| Average total loans | $275,298,500 | 1,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1935% | 5,678 |
| Cost of funding earning assets | 2.3337% | 1,514 |
| Net interest margin | 2.8598% | 6,940 |
| Noninterest income to average assets | 4.2293% | 159 |
| Noninterest expense to average assets | 4.1650% | 1,143 |
| Loan and lease loss provision to assets | 0.5174% | 3,784 |
| Net operating income to assets | 1.3663% | 905 |
| Return on assets (ROA) | 1.3663% | 958 |
| Pretax return on assets | 2.2846% | 230 |
| Return on Equity (ROE) | 15.1398% | 651 |
| Retained earnings to average equity (ytd only) | 13.9275% | 122 |
| Net charge-offs to loans | 0.4372% | 4,049 |
| Credit loss provision to net charge-offs | 135.8974% | 3,636 |
| Earnings coverage of net charge-offs (x) | 7.3599% | 2,169 |
| Efficiency ratio | 59.7816% | 6,520 |
| Assets per employee ($millions) | 3.0321% | 6,141 |
| Cash dividends to net income (ytd only)* | 8.0069% | 3,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 7,359 |
| Loan loss allowance to noncurrent loans | 265.3639% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 6,875 |
| Noncurrent loans to loans | 0.2674% | 6,756 |
| Net loans and leases to total assets | 88.2122% | 164 |
| Net loans and leases to deposits | 129.3561% | 93 |
| Net loans and leases to core deposits | 220.1814% | 65 |
| Total domestic deposits to total assets | 68.1933% | 7,531 |
| Equity capital to assets | 9.1340% | 4,937 |
| Core capital (leverage) ratio | 9.3974% | 3,838 |
| Tier 1 risk-based capital ratio | 10.4679% | 6,433 |
| Total risk-based capital ratio | 13.3996% | 4,777 |
| Memoranda: | ||
| Average total assets | $297,070,200 | 2,234 |
| Average earning assets | $284,395,200 | 2,163 |
| Average equity | $26,810,200 | 2,462 |
| Average total loans | $258,714,000 | 1,842 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 6,094 |
| Cost of funding earning assets | 2.4199% | 1,561 |
| Net interest margin | 2.7344% | 7,160 |
| Noninterest income to average assets | 3.9922% | 169 |
| Noninterest expense to average assets | 3.7726% | 1,653 |
| Loan and lease loss provision to assets | 0.4901% | 3,453 |
| Net operating income to assets | 1.4390% | 949 |
| Return on assets (ROA) | 1.4390% | 1,008 |
| Pretax return on assets | 2.3501% | 261 |
| Return on Equity (ROE) | 15.9958% | 657 |
| Retained earnings to average equity (ytd only) | 14.7828% | 165 |
| Net charge-offs to loans | 0.1317% | 5,381 |
| Credit loss provision to net charge-offs | 429.4821% | 922 |
| Earnings coverage of net charge-offs (x) | 24.8883% | 1,074 |
| Efficiency ratio | 57.0505% | 6,868 |
| Assets per employee ($millions) | 2.9568% | 6,272 |
| Cash dividends to net income (ytd only)* | 7.5829% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 6,732 |
| Loan loss allowance to noncurrent loans | 93.5787% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.8725% | 5,338 |
| Noncurrent loans to loans | 0.9690% | 5,360 |
| Net loans and leases to total assets | 89.2280% | 146 |
| Net loans and leases to deposits | 133.4036% | 90 |
| Net loans and leases to core deposits | 213.6444% | 78 |
| Total domestic deposits to total assets | 66.8858% | 7,642 |
| Equity capital to assets | 9.4690% | 4,784 |
| Core capital (leverage) ratio | 9.6505% | 3,716 |
| Tier 1 risk-based capital ratio | 11.1910% | 5,767 |
| Total risk-based capital ratio | 14.5873% | 3,911 |
| Memoranda: | ||
| Average total assets | $293,261,500 | 2,278 |
| Average earning assets | $281,056,250 | 2,188 |
| Average equity | $26,381,250 | 2,517 |
| Average total loans | $254,027,500 | 1,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 6,644 |
| Cost of funding earning assets | 2.4967% | 1,623 |
| Net interest margin | 2.5451% | 7,419 |
| Noninterest income to average assets | 4.4207% | 151 |
| Noninterest expense to average assets | 3.5033% | 2,328 |
| Loan and lease loss provision to assets | 0.4403% | 3,351 |
| Net operating income to assets | 1.7680% | 500 |
| Return on assets (ROA) | 1.7680% | 539 |
| Pretax return on assets | 2.9151% | 113 |
| Return on Equity (ROE) | 20.0033% | 339 |
| Retained earnings to average equity (ytd only) | 18.7695% | 93 |
| Net charge-offs to loans | 0.2001% | 4,285 |
| Credit loss provision to net charge-offs | 257.3705% | 1,807 |
| Earnings coverage of net charge-offs (x) | 19.6135% | 1,358 |
| Efficiency ratio | 51.0782% | 7,587 |
| Assets per employee ($millions) | 3.2769% | 5,376 |
| Cash dividends to net income (ytd only)* | 6.1681% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 7,408 |
| Loan loss allowance to noncurrent loans | 200.8205% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 6,719 |
| Noncurrent loans to loans | 0.3517% | 6,632 |
| Net loans and leases to total assets | 84.8617% | 524 |
| Net loans and leases to deposits | 117.5147% | 288 |
| Net loans and leases to core deposits | 172.6379% | 293 |
| Total domestic deposits to total assets | 72.2137% | 7,217 |
| Equity capital to assets | 8.3926% | 6,209 |
| Core capital (leverage) ratio | 9.2259% | 4,267 |
| Tier 1 risk-based capital ratio | 11.2034% | 5,678 |
| Total risk-based capital ratio | 14.4875% | 3,892 |
| Memoranda: | ||
| Average total assets | $293,441,000 | 2,298 |
| Average earning assets | $281,087,670 | 2,216 |
| Average equity | $25,935,670 | 2,562 |
| Average total loans | $250,843,000 | 1,943 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 6,095 |
| Cost of funding earning assets | 2.7095% | 1,244 |
| Net interest margin | 2.5452% | 7,448 |
| Noninterest income to average assets | 3.6438% | 176 |
| Noninterest expense to average assets | 3.0926% | 3,404 |
| Loan and lease loss provision to assets | 0.4619% | 2,623 |
| Net operating income to assets | 1.5312% | 887 |
| Return on assets (ROA) | 1.5312% | 962 |
| Pretax return on assets | 2.5198% | 249 |
| Return on Equity (ROE) | 16.8288% | 706 |
| Retained earnings to average equity (ytd only) | 15.7216% | 362 |
| Net charge-offs to loans | 0.4225% | 2,412 |
| Credit loss provision to net charge-offs | 127.8884% | 3,125 |
| Earnings coverage of net charge-offs (x) | 8.2550% | 2,220 |
| Efficiency ratio | 50.9121% | 7,517 |
| Assets per employee ($millions) | 4.2814% | 3,110 |
| Cash dividends to net income (ytd only)* | 6.5789% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 7,521 |
| Loan loss allowance to noncurrent loans | 222.4796% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 6,768 |
| Noncurrent loans to loans | 0.3026% | 6,679 |
| Net loans and leases to total assets | 81.5527% | 1,090 |
| Net loans and leases to deposits | 110.8964% | 569 |
| Net loans and leases to core deposits | 178.9928% | 248 |
| Total domestic deposits to total assets | 73.5396% | 6,960 |
| Equity capital to assets | 8.7291% | 5,722 |
| Core capital (leverage) ratio | 9.2998% | 4,247 |
| Tier 1 risk-based capital ratio | 12.0427% | 4,929 |
| Total risk-based capital ratio | 15.6185% | 3,306 |
| Memoranda: | ||
| Average total assets | $277,954,000 | 2,403 |
| Average earning assets | $265,440,500 | 2,322 |
| Average equity | $25,290,000 | 2,621 |
| Average total loans | $237,633,500 | 2,043 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 5,521 |
| Cost of funding earning assets | 3.2425% | 1,059 |
| Net interest margin | 2.7630% | 7,390 |
| Noninterest income to average assets | 0.9058% | 1,936 |
| Noninterest expense to average assets | 2.5017% | 5,997 |
| Loan and lease loss provision to assets | 0.1490% | 5,450 |
| Net operating income to assets | 0.5343% | 4,602 |
| Return on assets (ROA) | 0.5343% | 4,450 |
| Pretax return on assets | 0.8771% | 3,806 |
| Return on Equity (ROE) | 6.5315% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.4283% | 1,354 |
| Net charge-offs to loans | 0.0288% | 6,417 |
| Credit loss provision to net charge-offs | 588.3333% | 740 |
| Earnings coverage of net charge-offs (x) | 40.5167% | 915 |
| Efficiency ratio | 70.9141% | 4,155 |
| Assets per employee ($millions) | 4.2015% | 3,113 |
| Cash dividends to net income (ytd only)* | 1.5798% | 4,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6716% | 7,499 |
| Loan loss allowance to noncurrent loans | 625.2000% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 7,194 |
| Noncurrent loans to loans | 0.1074% | 7,090 |
| Net loans and leases to total assets | 88.7364% | 301 |
| Net loans and leases to deposits | 127.5244% | 248 |
| Net loans and leases to core deposits | 216.0966% | 123 |
| Total domestic deposits to total assets | 69.5838% | 7,326 |
| Equity capital to assets | 9.5177% | 4,662 |
| Core capital (leverage) ratio | 10.0683% | 3,383 |
| Tier 1 risk-based capital ratio | 11.9395% | 4,869 |
| Total risk-based capital ratio | 15.5931% | 3,291 |
| Memoranda: | ||
| Average total assets | $236,923,600 | 2,681 |
| Average earning assets | $224,825,800 | 2,602 |
| Average equity | $19,383,000 | 3,328 |
| Average total loans | $208,438,400 | 2,218 |